Question

What is covered under physical damage of a personal auto policy?

1) earthquake
2) flood
3) violent windstorm blows a sign off a building and it hits the car causing damage
4) all of the above

Answer 1

Physical damage coverage under a personal auto policy generally includes protection against earthquake, flood, and damage from events like a windstorm toppling a sign onto a car. The correct answer to what is covered is '4) all of the above'.

Step-by-step explanation:

The coverage for physical damage under a personal auto policy typically includes various events that may cause harm to a vehicle. Coverage generally spans a range of scenarios, including some natural disasters and accidental incidents. For the specific events listed in the question:

• Earthquake damage is often covered under comprehensive coverage, a part of physical damage protection.
• Flood damage is also typically covered by comprehensive coverage.
• Damage caused by a violent windstorm knocking off a sign that then hits the car is usually covered under the same comprehensive portion of an auto policy.
• Therefore, the answer is 4) all of the above. Each of these events would qualify for coverage under the comprehensive section of physical damage protection included in personal auto insurance policies.