What does personal property coverage protect against in an auto policy?

Personal property coverage in an auto policy specifically addresses the loss or damage to personal belongings that are inside the vehicle at the time of an incident. This coverage is valuable for policyholders who may have items such as laptops, phones, or bags in their cars, as it offers financial protection against theft, vandalism, or accidental damage that occurs to these personal items while inside the vehicle.

On the other hand, damage to the vehicle's exterior pertains to physical damage coverage, theft of the vehicle itself would fall under comprehensive coverage, and liability for injuries caused to passengers relates to liability coverage. Each of these addresses different issues unrelated to the personal belongings inside the vehicle, making personal property coverage distinct in its purpose and function.