Personal Auto insurance covers the liability,  bodily injury or property damage, and damage to your auto after a loss. Most companies use a PAP, Personal Auto Policy. This form has for sections, Liability coverage, Medical Payments, Uninsured Motorists Coverage, Coverage for Damage to Your Auto.

Part A- Liability Coverage

This sections provides coverage for bodily injury or physical damage after loss that you are legally responsible for. It also provides for the "duty to defend" until the limit is exhausted. If there is no coverage against the claim or suit, though, there is no duty to defend. The liability is either a CSL, Combined Single Limit, or a split limit. 50/100/25 relates to the limit of liability for bodily injury  per person/per accident/property damage.

Part B- Medical Payments

This is used for medical expenses or funeral costs from bodily injury to you, your passengers or family member in your auto during an accident.