Personal Auto Insurance: Laws and Definitions

Besides the named insured, who is covered under PAP?

The coverage that pays for BI sustained in an accident caused by a legally liable driver with no insurance or one who hits and runs is:

Two types of causes of physical damage to a covered or non-owned auto are covered under Part D, Coverage for Damage to Your Auto:

Under OTC Coverage for Damage to Your Auto, an insured may collect for all of these causes of loss EXCEPT:
a. Missles
b. Hail
c. Vandalism
d. Contact with another vehicle

All of the following are not automatically included in Personal Auto EXCEPT:
a. Towing and Labor costs
b. Miscellaneous Vehicles
c. Named Non-owner
d. Transportation Expense

Damage cause by wear and tear, war/nuclear perils and mechanical/electrical breakdown are:

All of the following are coverage included in the Personal Auto Policy Form EXCEPT:
a. Liability
b. Uninsured motorist 
c. Damage to Your Auto
d. Towing and Labor costs