Final answer:
Theft of personal items such as a necktie and briefcase, and non-factory items like an aftermarket hood ornament, are not covered under the Other Than Collision coverage of a personal auto policy. Factory-installed items such as radios and spare tires are generally covered.
Step-by-step explanation:
The question is about understanding what items are not covered under the Other Than Collision (OTC) or Comprehensive coverage of a personal auto policy. Typically, OTC coverage includes damages to the insured vehicle that are not caused by a collision, such as theft, fire, or natural disasters. Items that are part of the vehicle when it is manufactured, such as a radio installed in the dash or a spare tire, are generally covered. However, personal belongings such as hood ornaments (if they are not factory-installed) and personal items like a 'theft of a necktie and briefcase from the car left at the airport,' are not typically covered under this part of an auto policy. These items fall under personal property and would typically be covered by homeowners or renters insurance.