In relation to temporary substitute autos, which aspect is NOT covered under physical damage coverage in a Personal Auto Policy (PAP)?

In the context of a Personal Auto Policy (PAP), temporary substitute autos do receive some level of coverage, but specifics can vary based on the type of coverage in question. When it comes to physical damage coverage, which includes collision and other-than-collision (also referred to as comprehensive) coverage, these aspects are generally covered for temporary substitute vehicles as long as the policyholder is using the vehicle within the guidelines set by the policy.

However, when discussing what is NOT covered under physical damage coverage specifically, it's important to recognize that liability for accidents involving the vehicle is typically addressed separately under liability coverage, not physical damage coverage. Therefore, while the physical damage provision might cover damage to the temporary vehicle itself, it does not extend to any liability for accidents that the vehicle may cause involving third parties or property.

This distinction highlights the comprehensive nature of a PAP, wherein different types of coverage address various aspects related to vehicles, but they function separately to ensure that all driver-assumed risks are managed. Hence, excluding liability coverage indicates an understanding that while physical damage may cover the vehicle, liability is a separate component of insurance.