Personal Automobile Policy
The parts
Part A liability (bodily injury and property damage), Part B medical payments, Part C uninsured/underinsured motorists, Part D damage to your auto (collision and other than collision), Part E duties after an accident, and Part F general provisions. Defense costs and supplementary payments are paid in addition to the liability limits.
Who and what is covered
"Your covered auto" includes listed vehicles, newly acquired autos (automatic coverage for 14 days, or 4 days for collision if the replaced auto carried it), trailers, and temporary substitute autos. Insureds include the named insured, family members, and anyone using the covered auto with permission.
Limits and definitions
Split limits such as 25/50/25 state per-person bodily injury, per-accident bodily injury, and property damage. A combined single limit states one amount per accident. A family member includes a spouse and relatives residing in the household. Transportation expenses apply when a covered auto is disabled by a covered loss (commonly $20 per day to a $600 maximum).
Exclusions to know
Intentional damage, use as a public livery or ride-hailing service without an endorsement, racing, vehicles with fewer than four wheels, use in the business of selling or repairing autos, and property owned by or transported by the insured.
Territory and traps
Coverage applies in the United States, its territories and possessions, Puerto Rico, and Canada - not Mexico. UM/UIM protects the insured against others' negligence, not their own; medical payments and PIP are different coverages, and PIP applies in no-fault states.
Worked example: 50/100/25 limits and one injured claimant with $150,000 in damages. The policy pays $50,000, and defense costs are paid on top of that limit.