Under the PAP, which type of insurance does NOT cover damages to the INSD property?

Liability coverage under a Personal Auto Policy (PAP) is specifically designed to protect the insured from claims made by third parties for bodily injury or property damage that the insured may cause while operating the vehicle. It is intended to cover damages to someone else's property or injuries they sustain in an accident for which the insured is at fault.

When it comes to damages to the insured’s own vehicle or property, liability coverage does not provide any compensation. Instead, other types of coverage, such as collision or comprehensive, would apply in those instances. Collision coverage helps to pay for damages to the insured’s car resulting from a collision, while comprehensive coverage addresses damage from non-collision incidents like theft, vandalism, or natural disasters.

Personal Injury Protection (PIP) primarily addresses medical expenses and, in some cases, lost wages resulting from an accident, further underlining that liability coverage specifically pertains to third-party claims rather than the insured's own damages.