1. Uninsured motorist bodily injury coverage pays when the insured is injured by:

An at-fault driver who has no liability insurance

Uninsured motorist coverage responds when an at-fault driver has no liability insurance to pay the insured's injuries.

2. Underinsured motorist coverage applies when the at-fault driver:

Has some liability insurance but not enough to cover the insured's injuries

Underinsured motorist coverage applies when the at-fault driver's liability limits are too low to cover the insured's damages.

3. Glass breakage and damage from a falling tree limb to a parked car are typically covered under:

Comprehensive (other than collision) coverage

Losses such as glass breakage and falling objects are covered under comprehensive, not collision, coverage.

4. Auto physical damage coverage generally excludes loss caused by:

Ordinary wear and tear or mechanical breakdown

Physical damage coverage excludes maintenance-type losses such as wear and tear and mechanical or electrical breakdown.