1. Liability coverage under a Personal Auto Policy generally extends to:

The named insured, resident family members, and others using a covered auto with permission

PAP liability covers the named insured, resident relatives, and permissive users of a covered auto.

2. Collision coverage under an auto policy pays for:

Damage to the insured's auto from impact with another object or overturn

Collision covers damage to the insured's vehicle from impact or overturn; other-than-collision (comprehensive) covers most other causes.

3. Uninsured motorists coverage in a personal auto policy pays for:

The insured's bodily injury caused by an at-fault driver who has no liability insurance

UM coverage pays the insured's damages (mainly bodily injury) when an at-fault motorist has no liability insurance.

4. Medical payments coverage under a Personal Auto Policy pays:

Reasonable medical expenses for the insured and passengers regardless of fault

Auto medical payments coverage pays reasonable medical expenses for the insured and occupants of the covered auto without regard to fault.