The personal auto policy has four distinct coverage parts; three liability and one physical damage part. Each extends different coverage to the insured person or entity. The person(s) insured and how coverage applies within each coverage part is listed following the status level of the insured.

"You" (applies to all coverage parts): Named Insured and Spouse if resident of the same household and for up to 90 days after common residency ceases.

"You" and "Family Members":
• Liability Coverage (Part A): Ownership, maintenance or use of ANY auto or trailer
• Medical Payments Coverage (Part B): While "occupying" a motor vehicle designed for use on public roads or when struck as a pedestrian by such a vehicle.
• Uninsured/Underinsured Motorist Coverage (Part C): For compensatory damages (bodily injury or property damage) "You" or family members are entitled to recover from the owner or operator of an uninsured or underinsured motor vehicle.

Automatic Insureds:
• Liability Coverage (Part A): Any person using "your covered auto" with permission. • Any person or organization legally responsible for the actions of an insured resulting from the use of a covered auto or trailer; includes vehicles not owned by the insured (or provided for the insured's regular use) or the organization.
• Medical Payments Coverage (Part B): Any person while "occupying" "your covered auto."
• Uninsured/Underinsured Motorist Coverage (Part C): Compensatory damages to any other person "occupying" a covered auto. • Consequential damages suffered by a third party due to injury to any insured person.

Physical Damage Coverage Part (Part D): Physical damage coverage (collision and other-than-collision) attaches to a vehicle that qualifies as a "Your Covered Auto" rather than an individual or entity.