Final answer:
The coverage that applies under PAP (Personal Auto Policy) when a car runs into a pothole is Collision coverage. Other coverages, such as Other than Collision and Comprehensive, would apply to different types of damage. Uninsured Motorist coverage applies when the insured vehicle is involved in an accident with an uninsured or underinsured driver.
Step-by-step explanation:
The coverage that applies under PAP (Personal Auto Policy) when a car runs into a pothole is Collision coverage. Collision coverage provides protection for damage to the insured vehicle caused by a collision with another vehicle or object, including potholes.
Other coverages specified, such as Other than Collision (also known as comprehensive) coverage, would apply to other types of damage, such as theft, vandalism, or falling objects. Comprehensive coverage would also apply to damage caused by hitting an animal.
Uninsured Motorist coverage applies when the insured vehicle is involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages. This coverage is meant to protect the insured against financial losses due to uninsured or underinsured drivers.