What does Coverage D in a Personal Auto Policy define?

Coverage D in a Personal Auto Policy specifically relates to damage to the insured's vehicle and encompasses both collision and other-than-collision incidents. Collision coverage addresses damage resulting from a direct collision with another vehicle or object, while other-than-collision includes a variety of risks such as theft, vandalism, or natural disasters. This coverage is essential for protecting the insured's financial interest in their own vehicle, ensuring that they can recover from losses incurred due to various accidental damages.

The other options focus on different aspects of auto insurance. Liability coverage for bodily injury relates to the policyholder's responsibility and coverage when they are at fault for injuries to others. Property damage protection allows for compensation when the insured damages someone else's property with their vehicle. Medical payments coverage pertains to paying for medical expenses incurred by passengers in the insured's vehicle, which is separate from the coverage provided for the vehicle itself.