What is the primary purpose of a Personal Auto Insurance Policy (PAP)?

The primary purpose of a Personal Auto Insurance Policy (PAP) is to provide financial protection against losses resulting from an automobile accident. This includes liability coverage for damages to other people's property and for bodily injuries that you may cause in an accident, as well as coverage for your own injuries and vehicle damages. The PAP is specifically designed to address the risks associated with operating a vehicle, helping drivers manage their potential financial exposure from accidents.

The other options do not align with the core purpose of the PAP. While personal property theft is a valid concern, this is typically covered by a homeowner's insurance policy or renter's insurance, not specifically a personal auto insurance policy. Legal fees can arise from accidents but are not inherently covered; legal expenses are usually addressed through different insurance products. Lastly, vehicle maintenance expenses are also outside the scope of a PAP, as auto insurance is not intended to cover regular maintenance costs but instead focuses on risks associated with accidents and liability.