Which of the following is generally excluded from coverage under a PAP?

The correct choice highlights that intentional damage and racing are generally excluded from coverage under a Personal Auto Policy (PAP). When a policyholder engages in activities like racing or deliberately causing damage, it falls outside the scope of what auto insurance is designed to cover. Insurance is intended to protect against unforeseen accidents and mishaps, not actions that are purposeful or reckless.

In contrast, damage from a collision, accidental damage, and theft of the vehicle are typically covered under a PAP under appropriate circumstances. Collision coverage specifically addresses damages resulting from an accident involving another car or object, while comprehensive coverage generally includes theft or vandalism. Accidental damage is also a key aspect of coverage, as insurance is meant to address incidents that occur unintentionally. Therefore, the exclusion of intentional acts in the policy ensures that insurance remains a safety net for true accidents rather than reckless behavior.