What would NOT be covered under Part A of a Personal Auto Policy?

In a Personal Auto Policy (PAP), Part A provides coverage for bodily injury and property damage liability. This includes legal defense costs and damages related to injuries or damages that the insured may be legally obligated to pay to others due to accidents involving their covered auto.

Damage to the insured's own garage falls outside the scope of Part A because it does not involve liability to third parties. Instead, damage to the insured's property would typically be covered under other parts of the insurance policy, such as collision or comprehensive coverage, depending on how the damage occurred.

Loss of wages can be a consequence of bodily injury and could be covered under different areas, but under Part A specifically, the focus is on coverage related to legal liability rather than loss of personal income or earnings.

On the other hand, legal defense costs and damage while driving a friend's car are both covered under Part A, as they pertain to liabilities that the insured may incur while using a vehicle that they are responsible for, thereby reinforcing the importance of liability coverage. Therefore, the exclusion of damage to the insured's own garage accurately reflects the limitations of Part A of a Personal Auto Policy.