Which item is NOT covered under Joe's Personal Auto Policy during an accident with a company vehicle?

In a Personal Auto Policy, coverage typically pertains to personal use of the insured vehicle. When Joe is involved in an accident while driving a company vehicle, the policy does not offer coverage for bodily injury to himself in the context of the company vehicle's usage. This is because personal auto policies generally exclude coverage for incidents occurring while driving vehicles not owned by the insured, such as company vehicles, which tend to be covered under a commercial auto policy or the company's insurance.

The other items—property damage, medical expenses, and vehicle theft—may be covered in different situations or by different types of insurance. Property damage could potentially be covered if Joe's policy extends to damages he causes to another party's property while using a company vehicle. Medical expenses could be addressed through other coverages that are part of the policy or separate medical payment provisions. Vehicle theft would depend on the coverage limits and specifics of the policy, but typically, the personal auto policy would not extend to company vehicles.