What does Part D of the Personal Auto Policy cover?

Part D of the Personal Auto Policy specifically pertains to coverage for damage to your vehicle and includes various situations where your vehicle may suffer loss or damage. This part commonly refers to comprehensive and collision coverage.

Option B is relevant because it addresses a scenario where a vehicle may sustain damage from water or flood, specifically when it is a convertible with the top down, which would indeed be covered under comprehensive coverage. This highlights the aspect of the policy that protects against damage caused by non-collision incidents, such as the weather.

It's important to note that Part D does not cover liability for damages to another vehicle, personal injuries, or accidental injuries to passengers, as these would fall under different parts of the policy, particularly Parts A and B, which focus on liability coverage and medical payments, respectively. Thus, focusing on the nature of Part D, coverage for direct damage to your own vehicle aligns perfectly with Option B.