A private passenger auto is a four wheel motor vehicle
A) can not be used as a public or livery conveyance for passengers,
B) and not rented to others.

Limits of Liability applies to all vehicles:
Liability coverage applies to bodily injury and property damage for which any insured becomes legally responsible because of an auto accident.

In the State of Louisiana you are required to carry at least the minimum liability limits of 10/20/10 or 30,000 combined single limits.

Split limits, 10/20/10, means $10,000 per person, $20,000 per accident and $10,000 property damage. Combined single limits means total amount per accident.

Optional Coverages:
Medical Payment is coverage for necessary medical and funeral services because of bodily injury cause by a motor vehicle and sustained by an insured.

Uninsured Motorist Coverage will pay of compensatory damages which an insured is legally entitled to recover from the owner or operator of an uninsured motor vehicle because of bodily injury, sustained by an insured and caused by an accident.

You can elect or reject the Regular Uninsured Motorist coverage which pays all special damages and general damages, such as pain & suffering, mental anguish, etc. or Economic Only Uninsured Motorist which will pay for only your special damage, such as medical bills, funeral expenses or loss of wages.

Uninsured Motorist Damages, pays for damages you sustain to your covered vehicle, which does not carry collision coverage, and is caused by an uninsured vehicle.

Physical Damage and Misc. applies per vehicle:

Other than Collision, (Comprehensive Coverage), pays for anything other than collision, such as vandalism, theft, breakage of glass, etc., subject to the deductible.

Collision pays when the vehicle collides with another object or overturns, subject to the deductible.

Towing pays for the vehicle to be towed, as a result of disablement or accident.

Rental Reimbursement will pay up to policy limits for transportation expense incurred by you resulting from a covered comprehensive or collision loss.