Bodily Injury and Property Damage covers your legal liability (including defense costs) arising out of injuries or damages suffered for which you could be held liable.

Personal and Advertising Liability covers you for personal injury (such as slander, libel, or false arrest) and advertising injury (infringement of copyright or title) exposures.

Medical Payment provides coverage for medical expenses caused by an accident regardless of fault.  This could also be referred to as “good neighbor coverage”.  Payments could be made to an injured party even if you were not responsible for the injury.