1. I would start off telling my partner about PAP coverages about liability coverage, which is the most important part of a Personal Auto Policy. Liability coverage protects a covered person against a lawsuit or claim arising out of the ownership or operation of a covered vehicle. Along with liability coverage, there is also medical payments coverage. Under medical payments coverage, the company will pay all reasonable medical and funeral expenses incurred by an insured for services rendered within three years from the date of the accident. Covered expenses include medical, surgical, X-ray, dental, and funeral expenses. Uninsured and underinsured coverage is a little different. Uninsured motorists coverage pays for bodily injury (and property damage in some states) caused by an uninsured motorist, by a hit-and-run driver, or by a negligent driver whose insurance company is insolvent. In most cases, the motorist has to be at fault or the insurer will not pay.

An other-than-collision loss is theft of the insured auto and physical damage losses except collision losses and other specifically excluded losses. Some examples of these would be fire, glass breakage, and falling objects. Theft of the car is also covered under the policy, which includes theft of the objects off the car, like hubcaps, mirrors, doorhandles, tires, etc.

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2. Liability coverage (Part A) is the most essential part of the PAP. It protects a covered person against a suit or claim arising out of the ownership or operation of a covered vehicle. The coverage is normally written in split limits, where the amounts of insurance for bodily injury liability and property damage liability are stated separately. It can also be written with a single limit, which applies to both bodily injury and property damage liability. Medical payments coverage (Part B) will pay all reasonable medical and funeral expenses incurred by an insured for services rendered within three years from the data of the accident. The advantage is the coverage is not based on fault. Uninsured motorists coverage (Part C) pays for the bodily injury caused by an uninsured motorist, by a hit-and-run driver, or by a negligent driver whose insurance company is insolvent. Besides, the uninsured motorist must be legally liable. Underinsured motorists coverage can be added to the PAP to provide more complete protection.

A collision is defined as the upset of your covered auto or non-owned auto or its impact with another vehicle or object. Collision losses are paid regardless of fault under coverage for damage to your auto (Part D). The difference between collision coverage and comprehensive coverage is a collision coverage only pays for the damage of your car due to accident (collision) whereas a comprehensive coverage also pays for damage due to other-than-collision loss. An other-than-collision loss is a loss due to the following perils, such as missiles or falling objects; hail, water, flood, fire, windstorm; theft or larceny; explosion or earthquake; malicious mischief or vandalism; riot or civil commotion; contact with a bird or animal; and glass breakage.

Since no one is bodily injured, part D coverage will be useful if any damages caused to our vehicle due to a minor accident, but part C coverage will not be used even though the driver is uninsured.

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