The Helsings (who have a PAP) are involved in an automobile accident that was not their fault on their way home from a dinner party. Although they are unharmed, their car is disabled. The police recommend that they leave the car by the side of the road and take a taxi home. When the Helsings return to the scene of the accident, they find that their car has been stripped down to the chassis. The Helsings submit a claim to their insurance agent for the entire loss. Are the Helsings covered under the PAP