Covers liability (protects the insured against a claim/suit for bodily injury/property damage arising from the operation of an auto), medical payments (coverage for reasonable and necessary medical expenses incurred by the insured because of an auto accident), uninsured and under-insured motorist coverage (protects insured against uninsured or under-insured motorist, hit and run driver, etc.), and physical damage to your auto. Expert advice is needed on limits, endorsements, deductibles, and even type of replacement parts, among other matters. Generally, does not cover commercial vehicles and trucks used in a business.
