Personal Automobile Policy
The five parts
Part A Liability pays bodily injury and property damage owed to others, plus defense and supplementary payments. Part B Medical Payments pays reasonable medical expenses for the insured and passengers regardless of fault. Part C Uninsured/Underinsured Motorists pays for injury caused by a hit-and-run, uninsured, or underinsured driver. Part D Damage to Your Auto provides collision and other-than-collision coverage on an actual cash value basis. Part E lists duties after an accident.
Definitions that decide cases
"Your covered auto" includes vehicles shown in the declarations, newly acquired autos, owned trailers, and temporary substitute autos. A newly acquired auto that replaces a listed vehicle is covered automatically; an additional auto gets liability coverage automatically for 14 days, and physical damage only if the insured requests it within 4 days. A non-owned auto is one used with permission that is not regularly furnished; an auto furnished for regular use is excluded.
Traps
Part A excludes intentional injury, livery and rideshare use, racing, and use of a vehicle while working in a business other than farming or a private passenger pickup. Physical damage deductibles apply separately to collision and other-than-collision, per vehicle per loss. UM/UIM does not apply to property damage in every state, and stacking depends on state law.
Worked example
A hailstorm dents a car; that is other-than-collision (comprehensive), so the comprehensive deductible applies, not the collision deductible. Rule of thumb: collision means the insured's vehicle struck or was struck by another object or overturned; everything else sudden and accidental is other-than-collision.