Which of the following would NOT be covered under the Comprehensive section of a Personal Auto Policy (PAP)?

The Comprehensive section of a Personal Auto Policy (PAP) provides coverage for a variety of non-collision incidents that may result in damage to the insured vehicle. This typically includes events such as theft, fire damage, and vandalism, all of which fall within the scope of comprehensive coverage.

Flood damage, however, is not covered under the Comprehensive section of a PAP. Instead, it is generally excluded because flood-related incidents are often classified as natural disasters and require separate flood insurance policies to be adequately covered. This distinction is crucial for policyholders to understand, as comprehensive coverage is designed for specific types of risks that do not involve collision with another vehicle or object while driving.

Understanding this helps emphasize that while the Comprehensive section offers a broad range of protections for various damages, there are notable exceptions, with flooding being a primary example that requires additional coverage options outside of the standard auto policy.