What geographical region is covered under the out-of-state coverage in a Personal Auto Policy?

The correct answer is that a Personal Auto Policy provides out-of-state coverage in any U.S. state or territory. This means that if you are driving your personal vehicle in any state within the United States, including its territories, the coverage you have under your policy applies.

This feature is designed to give policyholders peace of mind while traveling, ensuring that they have continuous protection regardless of the state they are in, as auto insurance needs can vary widely from one location to another.

Other options do not capture the full scope of the coverage. For example, limiting coverage to only the contiguous United States or specific states listed would imply that there are gaps in protection, which is not the intent of out-of-state coverage in a personal auto policy. Additionally, restricting coverage only to other countries outside the United States is also incorrect, as the primary focus of a personal auto policy is within the U.S. and its territories.