Which of the following losses would be paid under the Physical Damage section of the Personal Auto policy?

Prepare for the Alabama Personal Lines Test with quizzes featuring flashcards and multiple-choice questions. Get ready for your exam with hints and explanations for each question!

The Physical Damage section of a Personal Auto policy typically covers damages to the insured vehicle itself and its components due to certain incidents, including theft. When considering the correct answer, a permanently installed tape player that is damaged during a theft attempt falls under this section because it is considered part of the vehicle. This damage directly relates to the attempt to steal the vehicle, and personal auto policies generally cover damage resulting from theft attempts as long as the vehicle was insured for physical damage.

In contrast, the theft of the entire vehicle would generally lead to a claim under the same section, but it's specifically the damage caused during the theft attempt that highlights the coverage aspect of the policy rather than the loss of the vehicle itself. A tire blowout is typically classified as a maintenance issue rather than a covered loss under the policy, as such events are usually considered wear and tear. Lastly, accidental damage to the windshield might be covered, but it depends on specific policy terms and sometimes requires additional endorsements. Hence the specific context of the situation makes the tape player's damage the focal point of coverage within the Physical Damage section.

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