Under a Personal Auto policy with NO ENDORSEMENT, how is a $50 towing cost classified when the insured's car breaks down?

The classification of a $50 towing cost under a Personal Auto Policy without any endorsement falls under the category of "Neither A nor B." This is because standard personal auto policies typically define collision and other-than-collision (also known as comprehensive) coverages in relation to specific types of damage to the vehicle.

Collision coverage applies when there's damage to the car from hitting another vehicle or object, while other-than-collision covers incidents such as theft, vandalism, or natural disasters. Since towing costs relate to a breakdown and do not fit neatly into either of these categories—they aren't the result of a collision or an incident that falls under comprehensive coverage—they are not classified under the traditional definitions provided in the policy.

Therefore, as there is no specific coverage in a standard personal auto policy that encompasses towing costs without an endorsement, such costs are not categorized as either collision or other-than-collision losses.