Insuring Personal Auto Exposures
The six parts
Part A liability, Part B medical payments, Part C uninsured and underinsured motorists, Part D coverage for damage to your auto, Part E duties after an accident, Part F general provisions.
Who and what is covered
An insured includes you and family members for a covered auto, plus anyone using your covered auto with permission. Your covered auto means autos shown in the declarations, newly acquired autos, trailers, and - for liability only - a temporary substitute auto. Newly acquired autos get automatic coverage with deadlines: typically 14 days to report a newly acquired additional auto for collision, and 4 days in the current edition. Trap: a replacement auto automatically receives the broadest coverage carried on any listed auto.
Key exclusions
Intentional damage; vehicles used for public livery or delivery; racing; using a vehicle without a reasonable belief of entitlement; vehicles with fewer than four wheels; and carrying goods for a fee. Ride-sharing is typically excluded unless endorsed - the personal auto policy is not a commercial policy.
Physical damage
Collision versus other than collision. Hitting an animal is other than collision; hitting a pothole is collision. Deductibles apply per loss.
Worked example: your insured borrows a friend's car and causes an accident. The friend's policy responds first because liability follows the vehicle, and your insured's policy responds as excess for the nonowned auto.