Which part of the PAP may include coverage for personal belongings in a vehicle?

Comprehensive coverage can indeed provide protection for personal belongings in a vehicle, but this typically requires an endorsement. In a standard Personal Auto Policy (PAP), comprehensive coverage primarily addresses losses from incidents like theft, vandalism, or natural disasters affecting the vehicle itself. However, personal belongings within the vehicle are generally not covered by the basic provisions of the comprehensive policy.

To extend coverage to personal items inside the car, an insured party may need to purchase a specific endorsement or rider. This endorsement effectively broadens the coverage to include personal items that may be damaged or stolen, thereby ensuring that the policyholder has financial protection for their belongings within the vehicle.

Liability coverage focuses on damages or injuries inflicted on others and does not provide protection for personal items. Collision coverage deals strictly with damages to the insured vehicle from a collision with another vehicle or object. Medical payments coverage covers medical expenses for injuries sustained by the driver or passengers but does not extend to personal property. Thus, the connection between comprehensive coverage and personal belongings underscores why this choice is the most appropriate answer in the context of a Personal Auto Policy.