Final answer:
Specified perils auto insurance typically covers the bumper jack belonging to the insured automobile in cases of theft, as it is part of the automobile. Personal items, like musical instruments or raincoats, stolen from the car might instead be covered by homeowner's or renter's insurance. Car insurance pays out when the car is damaged, stolen, or causes damage to others.
Step-by-step explanation:
When an insured's automobile is broken into, coverage for stolen items is typically determined by the specifics of the insurance policy, which often includes coverage for specified perils. Items commonly covered under specified perils might include:
- The bumper jack belonging to the insured automobile
This would generally be covered because it is part of the automobile itself. However, personal items such as musical instruments, raincoats, or property of the insured's passengers might not be covered under a standard specified perils auto policy. These items are often considered personal property and coverage would typically be provided by a homeowner's or renter's insurance policy, if the individual has one.
Car insurance primarily pays out when the car is damaged, stolen, or causes damage to others. For the other scenarios mentioned:
- Medical expenses are incurred
- Policyholder dies
- Dwelling is damaged or burglarized
different types of insurance would typically be applicable, such as health, life, or homeowner's/renter's insurance.