
Most clients have an exposure to automobile liability or physical damage as a normal part of their daily lives. The personal auto policy contains a liability section which covers claims for bodily injury and property damage. This can also provide protection when a claim involves an uninsured or underinsured motorist, hired car or other non-owned automobile. It also contains a Physical Damage section which can cover Comprehensive perils which includes losses such as fire, theft, windstorm, flood and additionally losses due to collision.