1. Uninsured motorist coverage pays the insured's damages when the insured is injured by:

An at-fault driver who has no liability insurance

Uninsured motorist coverage responds when an at-fault driver who has no liability insurance injures the insured.

2. The PAP coverage territory generally includes the United States, its territories and possessions, and:

Canada

The PAP coverage territory generally includes the United States, its territories and possessions, and Canada.

3. In a 50/100/25 auto liability limit, the first number (50) represents the maximum the insurer pays for:

Bodily injury to any one person

The first figure in split limits is the bodily injury liability limit for any one injured person.

4. A friend who borrows the insured's covered auto with permission and causes an accident is generally:

Covered as a permissive user under the policy

A permissive user driving with the insured's consent is generally covered under the policy's liability coverage.