What are the four main parts of a Personal Auto Policy?

The four main parts of a Personal Auto Policy are indeed the Declaration, Coverage, Policy Conditions, and Endorsements.

The Declaration section provides essential information about the insured vehicle, the named insured, and the coverage period, serving as a summary of the policy details. Coverage outlines the specific types of protection provided, such as liability and physical damage coverage, detailing what is included under the policy. Policy Conditions set forth the rules and requirements that govern the policy, including the duties of the insured and the insurer. Finally, Endorsements modify the original terms of the policy by adding, changing, or removing coverage.

This structure is fundamental in defining the agreement between the insurer and the insured and ensuring that all parties understand the coverage being provided. The other options present specific components of an auto insurance policy or related concepts rather than the overarching structure of the policy itself.