Which personal auto policy coverage would apply if Mrs. Updike's car rolled into a river?

In this scenario, if Mrs. Updike's car rolled into a river, the most applicable coverage under a personal auto policy (PAP) would be "Other than collision." This type of coverage is designed to protect against damages resulting from incidents not involving a collision with another vehicle or object. This includes events such as theft, vandalism, and, pertinent to this case, natural disasters or bodily damage resulting from conditions like flooding or water immersion.

Collision coverage typically applies when a vehicle is damaged as a direct result of hitting another vehicle or an object, which does not match the situation of the car rolling into a river. Uninsured motorists coverage protects against damages resulting from accidents involving drivers who do not have insurance, and therefore would not be relevant here. The option stating that no coverage will apply overlooks the specifics of the incident, which would indeed fall under “Other than collision." This distinction is crucial for understanding the breadth of protections offered in a personal auto policy.