A stolen car is covered under which type of personal auto coverage?

The correct answer is comprehensive coverage because this type of insurance protects against losses due to non-collision incidents, which includes theft. In the case of a stolen vehicle, comprehensive coverage will reimburse the policyholder for the loss of the car, reflecting its actual cash value at the time of the theft, minus any deductible specified in the policy.

Liability coverage is designed to pay for damages that one is legally liable for in the event of an accident, but it does not cover theft of the insured's own vehicle. Collision coverage provides protection against damage to the insured's vehicle resulting from a collision with another vehicle or object, but again it does not cover theft. Medical payments coverage is intended to cover medical expenses for injuries sustained by the driver and passengers in the insured vehicle as a result of an accident, unrelated to vehicle theft. Thus, comprehensive coverage is the appropriate option for covering a stolen car.