The BAP has three principal physical damage coverages, which pay for damage to the insured's own covered autos.

Comprehensive: pays for loss from any cause except the auto's collision with another object or its overturn. Hitting a bird or animal is treated as a Comprehensive loss, even though it feels like a collision.

Specified Causes of Loss: a narrower, named-peril alternative to Comprehensive. It covers fire, lightning, explosion, theft, windstorm, hail, earthquake, flood, mischief or vandalism, and the sinking, burning, collision or derailment of a conveyance carrying the auto. The covered auto's own collision, such as hitting a guardrail, is not on the list.

Collision: pays for the auto's collision with another object or its overturn.

Individual Named Insured endorsement: used when the named insured on a commercial auto policy is a person rather than an organization, such as a sole proprietor insuring a private passenger pickup in her own name. It extends insured status to resident family members for covered private passenger autos and adds personal-style protection for non-owned autos.

Drive Other Car Coverage, broadened coverage for named individuals: for named people, often executives, who drive autos they do not own. Autos the company does not own, hire or borrow become covered autos while used by the person named in the Schedule or a resident spouse. It does not apply to an auto owned by that person or a household member, or while the person is working in an auto business. So a CFO's rental car is covered, but his resident daughter's own car is not.