True or False: Personal contents in a private passenger auto are covered under the AAIA.

The assertion that personal contents in a private passenger auto are covered under the Auto Accident Insurance Agreement (AAIA) is false. The AAIA primarily provides coverage for the vehicle itself and does not extend to personal belongings inside the vehicle. Typically, personal items such as clothing, electronics, or other valuables are not insured in standard auto policies, which mainly focus on damage to the vehicle and liability for accidents.

This means that if personal items are damaged or stolen from a vehicle, the owner would generally need to rely on a homeowners or renters insurance policy for coverage instead. This distinction is important for understanding the limits of auto insurance and ensures that vehicle owners are aware of what is protected in case of an incident involving their vehicle.