What does Coverage for damages under the PAP primarily include?

Coverage for damages under the Personal Auto Policy (PAP) primarily includes property damage, which encompasses damages to property of others resulting from an accident in which you, the insured, are at fault. This coverage is essential as it protects the policyholder from financial liability when their vehicle causes damage to another person's property, including vehicles, structures, or other physical assets.

While legal defense costs, bodily injury, and uninsured motorist coverage are all important components of automobile insurance, they do not represent the primary focus of the PAP in terms of property damage. Legal defense costs might be covered, but they are secondary to the core coverage. Bodily injury is an essential aspect of liability coverage, addressing injuries sustained by others due to the insured's actions; however, in this context, the question is specifically about property damage. Lastly, uninsured motorist coverage protects the insured against damages inflicted by a driver without insurance but is a distinct type of coverage that does not fall under the primary property damage liability aspect of the PAP. Thus, property damage is clearly the integral component of coverage under the PAP regarding the potential liabilities arising from accidents.