Having an auto insurance coverage will help you protect whenever you figure in a car accident or when there is a loss to your automobile like fire and theft. You also need to be protected in case you injure another person through the use of your car or you made a damage to somebody's property when using your car. Auto insurance coverage is excluded from most homeowners forms thus auto insurance must be covered separately and it is called a personal auto policy. Since the personal auto policy contains property and liability auto insurance coverage, it is considered a package policy. The auto insurance policy form contains four distinct coverage with each coverage having its own conditions, agreements and exclusions.