Personal Auto Policies are especially flexible because newly-purchased vehicles are automatically covered under your existing policy for the first fourteen days, listed Insureds and their family members are covered while driving someone else's vehicle (as long as said vehicle isn't borrowed regularly), and what exactly an Insured wants covered and for how much are consistently customizable. However, unlike other forms of property/casualty insurance, Medical Payments typically have a limit of $5,000, since large medical expenses are generally the responsibility of a Health Insurance policy.