Which of these is NOT typically covered under a personal auto policy?

The option representing damage to a car being used for business purposes is not typically covered under a personal auto policy. Personal auto policies are designed primarily for personal use of vehicles, such as commuting to work or running errands. When a vehicle is being used for business purposes, such as making deliveries or transporting clients, it falls under a different category of risk. This means that personal auto policies often do not provide coverage for incidents that occur while the vehicle is being utilized for business activities.

In contrast, the other options listed refer to aspects of coverage that are generally included in standard personal auto insurance policies. For example, physical damage coverage protects against damage to the insured vehicle due to accidents or other events. Medical payments coverage is available to cover medical expenses for passengers injured in an accident, regardless of fault. Comprehensive coverage addresses losses due to theft or other non-collision-related incidents. Each of these reinforces the personal use aspect of auto insurance, while business use requires specialized coverage.