Which of the following losses can a Comprehensive coverage in a PAP pay for?

Comprehensive coverage in a Personal Auto Policy (PAP) is designed to pay for various types of non-collision-related losses. This includes damage to the insured vehicle due to events such as theft, vandalism, fire, or natural disasters, which are outside of the driver’s control.

Choosing theft of vehicle parts relates directly to one of the essential types of coverage that comprehensive policies offer. If parts of a vehicle are stolen, comprehensive coverage would provide financial compensation for the loss, as it falls under the purview of theft and vandalism incidents that this type of insurance protects against.

Engine malfunctions typically result from wear and tear or mechanical failure, which are not covered under comprehensive policies. Accidental damage to property may refer to damages where the insured vehicle causes harm to another's property, which is generally covered under liability insurance rather than comprehensive coverage. Lastly, collisions, whether with another vehicle or an object, fall under collision coverage, which specifically addresses damages incurred during adverse driving situations. Therefore, theft of vehicle parts is the only option that aligns with the protections offered by comprehensive coverage.