Coverage available under the personal auto policy (PAP) that provides a form of “all risks” protection for damage to a covered auto from perils other than collision. Losses include but are not limited to fire, theft or larceny, explosion or earthquake, windstorm, hail, water, flood, malicious mischief, vandalism, riot, contact with an animal, and glass breakage.

This protection is sometimes referred to as “comprehensive” coverage.


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