1. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    Depending on the type of policy you purchase, your liability protection can cover bodily injury (per person and per accident) along with property damage. Medical payment may also be included.

    Protection against underinsurerd and uninsured drivers can be included  along with physical damage to the vehicle, which includes your collision and comprehensive benefits.
    Answered on February 28, 2014
  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    The automobile is covered by an auto policy.  This is a key issue.  Regardless of the operator, the coverage is on the automobile.  The primary and secondary policyholders are named and there is a very limited amount of liability coverage that extends if a policyholder is operating another car, owned by another insured and the claim exceeds the limits carried on that second automobile.  Almost everything in the policy is focused on the named automobile. 
    Answered on February 28, 2014
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