This opening section of the form defines the terms used repeatedly further on in the contract. Terms will be defined here in detail. When you see them later on (usually enclosed in quotes so they stand out as something with special meaning), you will know that they carry the same meaning as was laid out in the Definitions section. Note those quotes. As you read further on in the policy, whenever you see a word in quotes that means it is a specially-defined word whose scope was spelled out in the Definitions section.
The section opens with a definition of "you" and "your", which in turn is expanded so that it is understood that when the contract says those words, it is referring to the Named Insured on the policy. We see that your spouse is included in this definition - your spouse is a complete and equal partner with respect to the policy's benefits and protections. We also see that there are circumstances where a spouse will not enjoy Named Insured status, and these center around situations where separation and/or divorce causes your spouse to no longer reside in your household.
''We'', ''us'' and ''our'' are next defined in straightforward fashion as the insurance company providing you the insurance policy and coverage.
Next, if it so happens that you are leasing a vehicle and do not actually own it, this section states that so long as you have a written lease agreement that lasts for at least six months, you are considered the vehicle owner under the provisions of the contract. Technically, if you don't actually own a vehicle you have no insurable interest in it: Someone else owns the car so covering it with insurance is their problem. When personal auto leases came about, this clause was added to plug this loophole.
These define a number of terms in straightforward fashion. Part F is noteworthy in that it defines specifically what the policy considers a ''family member''. Take particular note of the fact that the individual must reside in your household to meet the definition. Later on we will see that some coverages are extended to a "family member" automatically.
This is a big one. It describes what "your covered auto" means, which is the whole point of the insurance policy in the first place. Its provisions are fairly simple, again, but note that J.4., which covers a substitute vehicle that you are driving if your regular auto is broken down (i.e. a rental car), does NOT cover physical damage to that vehicle. Notice also that for the first time we see quoted words inside of the definitions themselves. J.2. says a ''newly acquired auto'' is a covered auto. But it is in quotes, so that means it is a specially defined term. ''newly acquired auto'' is in fact defined in the very next section (part K).
This section describes what kind of coverage you get if you acquire a car. This section gets pretty complicated:
Part K is an awfully complicated description of what is usually a very simple process. You are probably already thinking to yourself ''Why all this when I just call my agent, report the car and we decide on the spot what coverages to put on it?'' In fact thats what usually happens... but what if for some reason it doesn't? This section spells out how it will go if you either a) delay reporting the vehicle or b) report it and then don't follow through on choosing coverages.
IMPORTANT
We are describing an example car insurance policy. We are not describing YOUR insurance policy. If you want specific details on your insurance policy, read it completely and, if you have questions about what you see, consult your insurance agent.