Which of the following is NOT one of the four main coverages provided by a Personal Auto Policy?

A Personal Auto Policy (PAP) is designed to provide a range of coverages specifically pertinent to personal vehicles. Among these coverages, liability is crucial as it protects the insured against damages they may cause to others in an accident. Collision coverage is also key, as it pays for damages to the insured's vehicle resulting from a collision with another vehicle or object. Comprehensive coverage protects against non-collision-related incidents, such as theft, vandalism, or damage from natural disasters.

Health Insurance, while important for covering medical expenses arising from accidents, is not included in the framework of a Personal Auto Policy. Instead, health insurance is a separate coverage designed to address medical needs, rather than automobile-related liabilities or damages. This distinction highlights that while health expenses may arise from auto accidents, the PAP focuses on automobile-specific risks rather than general health-related costs.