Sarnof took a summer job to earn money for his college education. On his way home from work late one evening, a drunken driver ran a red light and smashed into Sarnof’s car. Sarnof’s medical bills were more than $45,000, and his injuries prevented him from working for the rest of the summer. Unfortunately, the drunken driver had only the minimum state-required liability coverage ($10,000). The driver’s other known assets totaled less than $5,000. This will cause Sarnof to exhaust his college fund and take out a loan to pay his medical bills. What type of auto insurance coverage would have helped Sarnof cover the excess costs?