A deer crashes into the side of the insured's car. What PAP coverage would cover this damage?

Comprehensive coverage is the appropriate protection for the damage caused by a deer crashing into the side of the insured's car. This type of coverage is designed to cover various types of non-collision-related incidents, such as animal strikes, theft, vandalism, or natural disasters. In this scenario, the collision with a deer is categorized under a non-collision incident, meaning it falls under the scope of comprehensive coverage rather than collision coverage.

Liability coverage would only apply if the insured was legally responsible for damage to another person or their property, which is not the case here. Collision coverage is specifically meant for damages resulting from vehicles colliding with each other or with objects but does not cover animal strikes. Lastly, medical payments coverage is intended to assist with medical expenses following an accident, irrespective of fault, but does not address damage to the vehicle itself. Therefore, comprehensive coverage is correctly identified as the best option for this situation.