1. After an auto accident, an insured's duties under the policy generally include:

Promptly notifying the insurer and cooperating in the investigation

The insured must promptly notify the insurer, cooperate, and provide requested information after a loss.

2. Supplementary payments under auto liability coverage typically include:

Defense costs and certain expenses in addition to the limit

Supplementary payments, such as defense costs and bail bond premiums, are generally paid in addition to the policy limit.

3. The out-of-state coverage provision in a personal auto policy:

Adjusts limits to meet another state's higher minimums when driving there

The out-of-state provision automatically increases limits to satisfy a higher minimum required by another state where the insured is driving.

4. Physical damage to a covered auto is generally settled at the lesser of:

The actual cash value or the cost to repair or replace

Physical damage losses are typically paid at the lesser of actual cash value or the cost to repair or replace the property.