What type of facilities are excluded under Part D Physical Damage coverage?

Part D of a Personal Auto Policy (PAP) specifically provides coverage for physical damage to the insured vehicle, including collision and other than collision (comprehensive) coverage. However, this part does outline certain exclusions regarding the type of facilities where the vehicle may not be covered.

Living facilities, such as residential homes or apartments, typically do not fall under the physical damage coverage provisions of a Personal Auto Policy. This is because PAP is designed to cover vehicles used for personal transportation rather than damage occurring while the vehicle is parked at a residence. The policy is more focused on the vehicle itself rather than the specific characteristics of the location where it is parked, particularly when it comes to personal living arrangements.

In contrast, commercial, industrial, and recreational facilities may not be explicitly excluded under Part D, as these can encompass broader scenarios relating to vehicle use. However, damage related to commercial activities typically aligns with commercial vehicle insurance rather than personal auto coverage. Understanding the distinctions in coverage helps clarify why living facilities are excluded specifically under the terms of the policy.