The standard personal auto policy includes liability coverage that is required by law if you own a vehicle. It also includes may include the following optional coverages depending on state statutes. Medical payments uninsured motorist coverage and damage to your covered auto. This type of policy may be written to insure private passenger autos, pickup trucks, vans, trailers, and certain leased vehicles. It is principally designed to cover vehicles that are owned by an individual or by a husband and wife who reside in the same household.