1. Liability coverage under the personal auto policy is designed to pay for:

Bodily injury and property damage the insured causes to others

Auto liability coverage pays for bodily injury and property damage the insured is legally responsible for causing to others.

2. Medical payments coverage in a personal auto policy pays:

Reasonable medical expenses for the insured and occupants regardless of fault

Medical payments coverage pays reasonable medical expenses for the insured and occupants of the covered auto regardless of fault.

3. Collision coverage applies when the insured's covered auto is damaged by:

Impact with another vehicle or by upset

Collision coverage pays for damage to the insured's auto from impact with another vehicle or object or from upset.

4. Comprehensive coverage on a personal auto policy generally responds to losses such as fire, theft, and:

Hitting an animal

Comprehensive (other than collision) covers non-collision losses such as fire, theft, vandalism, and animal strikes.