According to Part DCoverage for Damage to Your Auto of a Personal Auto Policy (PAP), the insurer's limit of liability for a physical damage loss to a covered auto is? A. The lower of the actual cash value or the amount necessary to repair or replace the vehicle with like kind and quality B. The estimated value as established by two auto appraisers C. The cost to repair the vehicle or replace it with a new vehicle D. The "blue book" value of the vehicle, taking into consideration the odometer reading and the vehicle condition