Personal Automobile Insurance
The parts
Part A liability, Part B medical payments/PIP, Part C uninsured/underinsured motorists, Part D damage to your auto (collision and other than collision), Part E duties after an accident, Part F general provisions. Read definitions first: 'you' and 'your' are the named insured and spouse; a 'family member' is a resident relative; 'your covered auto' includes listed autos, newly acquired autos (subject to notice deadlines), temporary substitutes, trailers, and - for liability only - non-owned autos.
Limits and Delaware rules
Split limits (Delaware's financial responsibility minimums are $25,000/$50,000/$10,000) or a combined single limit. Part A pays defense and damages and covers the insured driving a non-owned auto; it applies in the US, its territories and possessions, and Canada. Delaware requires personal injury protection and requires insurers to offer uninsured/underinsured motorist coverage; the insured may reject UM/UIM only in writing. PIP pays medical expenses, wage loss, and essential services regardless of fault, and tort recovery for non-economic damages is limited by the statutory threshold.
Part D
Collision covers impact with another object or upset; other than collision includes fire, theft, windstorm, hail, water, vandalism, and hitting an animal. Deductibles apply per loss; betterment and diminished value questions turn on loss settlement (ACV).
Exclusions to memorize
Intentional damage, racing or speed contests, use as a public livery or for delivery (the pizza-delivery trap), vehicles with fewer than four wheels, farm equipment, and vehicles furnished for regular use.
Rule of thumb: the vehicle follows the policy - a driver has liability coverage in a non-owned auto, but physical damage to that car is settled under its owner's Part D.