1. In a 30/65/25 split-limit auto policy, the third number represents the maximum the insurer will pay for:

Property damage liability per accident

In split limits, the third number is the property damage liability limit per accident.

2. Underinsured motorist coverage is designed to protect the insured when the at-fault driver:

Has liability limits too low to cover the insured's injuries

Underinsured motorist coverage applies when the at-fault driver has some liability insurance but not enough to fully cover the insured's injuries.

3. Coverage that protects an insured while driving a borrowed car they do not own is generally provided through the policy's:

Coverage for the use of a non-owned auto

The personal auto policy generally extends coverage to the insured's use of a non-owned auto with permission, subject to the policy terms.

4. Towing and labor coverage on a personal auto policy pays for:

Reasonable towing and on-site labor costs when the covered auto is disabled

Towing and labor coverage pays limited towing and roadside labor costs when the covered auto is disabled.