Which of the following losses would be covered under the property damage liability coverage of a personal auto policy?

The property damage liability coverage of a personal auto policy is designed to protect the insured when they are legally responsible for damaging someone else's property. In the context of this question, the first option—where the insured damages a rented garage—falls squarely under this coverage. When the insured causes damage to property that they do not own, such as a rented garage, this type of liability coverage would typically respond by covering the costs associated with repairing or replacing that property, as long as the incident occurs in the course of operating a vehicle.

In contrast, the other scenarios presented do not qualify for property damage liability coverage because they involve losses related to the insured's own vehicle or property. For instance, a stolen vehicle pertains to the insured's own loss rather than damage to another's property, while hitting a pole and damaging the vehicle or sustaining damage from a hailstorm also involves the insured's car and not property belonging to another party. Therefore, these situations would be covered under different types of coverage, such as comprehensive or collision coverages, rather than property damage liability.