Which type of physical damage loss is not covered under a business auto policy?

The correct answer points to losses related to radar detection equipment as not being covered under a business auto policy. Business auto policies generally provide coverage for physical damage to the insured vehicles, but they often have specific exclusions for certain types of equipment that may be installed in or on the vehicles. Radar detection equipment is considered a personal accessory and is typically not part of the standard coverage for a business auto policy.

In contrast, collision damage, theft of the vehicle, and fire damage are common types of physical loss that are generally covered under such policies. Collision coverage protects against damage to the vehicle resulting from a collision with another vehicle or object. Theft coverage applies if the vehicle is stolen, and fire damage coverage addresses losses due to fire. Since these scenarios are more integral to the operation of a business vehicle, they are generally included in the policy’s coverage provisions, while items like radar detection equipment fall outside that scope.