What type of insurance coverage does Personal Auto Part D NOT cover?

Personal Auto Part D is primarily concerned with coverage related to the insured's own vehicle, specifically focusing on collision and comprehensive coverage. Collision coverage addresses damages resulting from collisions with other vehicles or objects, while comprehensive coverage provides protection against non-collision-related incidents, such as theft, vandalism, or natural disasters.

Property damage to others' vehicles falls outside the purview of Personal Auto Part D. Instead, this type of liability coverage is typically covered under another part of the auto policy, often referred to as Liability Coverage, which is designed to protect the insured from financial responsibility for damages they cause to other people's property, including vehicles. Therefore, the correct understanding is that Part D does not cover this type of liability; it is explicitly aimed at protecting the insured's own vehicle rather than compensating others for damages they may incur as a result of the insured's actions.