Which coverage does BAP NOT extend to rented vehicles?

The correct answer pertains to the type of coverage that the Business Auto Policy (BAP) does not extend to rented vehicles, which is accidental injury coverage.

In the context of the BAP, liability coverage is typically provided for rented vehicles, meaning that if an insured person causes damage or injury while driving a rented vehicle for business purposes, the policy covers the damages incurred. Physical damage coverage is also usually included, offering protection for physical loss or damage to the rented vehicle itself, whether from collision or other types of incidents.

Comprehensive coverage, which provides protection against losses that are not the result of a collision (such as theft, vandalism, or natural disasters), is generally applicable to rented vehicles under a BAP as well.

On the other hand, accidental injury coverage does not fall under the purview of a standard BAP for rented vehicles. This type of coverage is more often found in separate personal or health insurance policies that cover individuals for medical expenses arising from accidents, rather than vehicle-related damage or liability. Thus, the BAP does not extend this type of coverage to rented vehicles, highlighting a limitation in protection related specifically to personal injuries sustained during the operation of such vehicles.