Which coverage in a personal auto policy (PAP) would the policy's deductible apply in the event of a covered loss?

The deductible in a personal auto policy (PAP) applies to Part D - Collision coverage. Collision coverage is designed to pay for damage to your vehicle resulting from a collision with another vehicle or object, regardless of who is at fault. When a claim is made under this part of the policy, the deductible is the amount you are responsible for before the insurer pays the rest of the repair costs.

In contrast, liability coverage (Part A) does not involve a deductible because it compensates third parties for their damages when you are at fault in an accident. Medical Payments coverage (Part B) provides payments for medical expenses resulting from an accident, and typically, a deductible is not applicable in this case. Uninsured Motorists coverage (Part C) also generally does not involve a deductible as it compensates you for losses caused by uninsured drivers.

Therefore, when it comes to collision claims under Part D, the deductible is a key component that impacts how much of the repair costs are out of pocket for the policyholder, making this part of the coverage subject to the deductible.