Final answer:
Comprehensive coverage typically pays for non-collision damages, so it would cover Bonnie's car if a tree falls on it or if it's stolen. Collision-related damages and minor scratches might not be covered by comprehensive coverage.
Step-by-step explanation:
Comprehensive coverage is a component of automobile insurance that pays for damage to the policyholder’s car not directly caused by a collision. Based on the information provided about the types of losses that comprehensive coverage is designed to address, Bonnie's personal auto policy (PAP) that includes Comprehensive coverage would likely cover losses from several different events.
- Option 1: If a tree falls on Bonnie's car during a windstorm, this is the type of non-collision event that comprehensive coverage is designed for.
- Option 3: If Bonnie's car is stolen from her driveway, theft is a classic example of what comprehensive coverage is meant to address.
In contrast, Option 2, which involves damage in a collision with another vehicle, would generally be covered by collision coverage, not comprehensive coverage. Option 4, where Bonnie accidentally scratches her own car while parking, may also fall under collision coverage if the scratch is considered part of the collision or may not be covered if it's deemed to be wear and tear or a minor incident.