This guide covers personal auto insurance from the declarations page to the bad faith claim. Part I explains the coverages on a standard policy and how to read a declarations page. Part II covers uninsured and underinsured motorist coverage, offset and excess states, stacking, rejection forms, and the consent-to-settle requirement. Part III covers first-dollar coverages, no-fault systems, and thresholds. Part IV covers vehicle damage, total loss valuation, diminished value, and appraisal. Part V covers exclusions, endorsements, and priority of coverage. Part VI covers claim handling duties, policy limits demands, and bad faith. Part VII covers liens, allocation, taxation, and the forums where these disputes are resolved.