Typically, Part C covers only bodily injury losses, but property damage losses are included in some states. Part D covers damages to your car when it is involved in an accident. These laws were enacted to ensure that victims of accidents are compensated when their losses are caused by someone else being negligent. Except for the minimum liability you may be required to buy, many people with older cars decide not to purchase physical damage coverage. Often, the cost of repairing an older car is greater than its value.
Many people forgo the Part D coverage because of the relatively low value of their autos.
Whenever you knowingly loan your car to a friend or an associate, he or she will be covered under your policy. In fact, even if you don't give explicit permission each time a person borrows your car, someone is still covered under your policy as long as he or she had a reasonable belief that you would have given permission to borrow the car. The answer to this question is not simple. This is not quite true anymore. In most cases, your personal auto insurance policy will cover only vacation car rentals.