1. Under a personal auto policy, the term your covered auto generally includes:

Vehicles shown in the declarations and certain newly acquired or temporary substitute autos

Your covered auto includes vehicles listed in the declarations, newly acquired autos within limits, owned trailers, and temporary substitute vehicles.

2. Under the liability coverage of a personal auto policy, an insured generally includes:

The named insured, family members, and persons using the covered auto with permission

Liability coverage extends to the named insured and resident family members, and to others using the covered auto with permission.

3. Supplementary payments under auto liability coverage typically include:

Defense costs and certain expenses paid in addition to the liability limit

Supplementary payments, such as defense costs, bail bonds, and court costs, are paid in addition to the policy's liability limit.

4. A combined single limit (CSL) for auto liability provides:

A single total limit available for both bodily injury and property damage in one accident

A combined single limit offers one total amount for bodily injury and property damage per accident, rather than separate split limits.