The insuring agreement of the PAP states that the policy pays on behalf of the insured for what types of damages?

The insuring agreement of the Personal Auto Policy (PAP) is designed to provide coverage for both bodily injury and property damage resulting from accidents in which the insured is found to be at fault. This comprehensive coverage includes payments for expenses related to injuries suffered by others (bodily injury) as well as damage to another person's property (property damage).

When determining the appropriate coverage, it is essential to understand that bodily injury refers to physical injuries inflicted on others due to the insured's negligent actions while operating a vehicle. On the other hand, property damage encompasses any harm caused to other vehicles or property, such as fences, buildings, or any other material items.

Because the PAP combines both types of coverage under its insuring agreement, it provides a robust defense for the insured against various claims that might arise from vehicular accidents. This dual coverage approach is a fundamental component of most auto insurance policies, reflecting the need to address the diverse risks associated with driving.

The other options, which suggest limited coverage (either focusing solely on bodily injury or property damage) or even criminal charges, do not reflect the comprehensive nature of the insuring agreement in the PAP. The correct choice of encompassing both bodily injury and property damage accurately represents the protection that the policy offers to the