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WHAT DOES PERSONAL AUTO INSURANCE COVER?

In reality personal auto policy (mostly known as PAP in the industry) provides four types of insurance coverage:

PART-A: Liability Coverage
PART-B: Medical Payments Coverage
PART-C: Uninsured Motorists Coverage
PART-D: Coverage for Damages to Your Auto
PART-E & PART-F: Explains the duties of the insured following a loss, and it also contains other policy provisions.

Note: In states with no-fault laws, endorsement that provides the required no-fault benefits replaces PART-B