What is the purpose of a Personal Auto policy?

The purpose of a Personal Auto policy is primarily to cover personal use of owned or leased vehicles, which encompasses various risks associated with operating those vehicles in a non-commercial context. This includes liability coverage for injuries or damages caused to others in the event of an accident, as well as coverage for the policyholder's own vehicle damage, medical expenses, and other related incidents.

While protecting against personal liability is indeed a component of the policy, the comprehensive focus of a Personal Auto policy is on personal vehicle use rather than just liability alone. Similarly, the policy does not cover business vehicles, as those typically require commercial auto insurance. Health insurance for vehicle occupants is also outside the scope of a Personal Auto policy, as health coverage is typically provided through separate health insurance plans. Therefore, the correct choice accurately reflects the central intent of the policy.