The section of an automobile Legally binding contract effecting insurance or certificates thereof, including all clauses, riders, endorsements and renewals. that provides To protect with insurance, or the insurance protection provided. for damage to the The entity (individual or otherwise) whose risk of financial loss from an insured peril is protected by the insurance policy. vehicle. It may To protect with insurance, or the insurance protection provided. all perils, collision or upset, all perils other than collision or upset (comprehensive) or specified perils.