Coverage for the insured for the operation of a motor vehicle owned, rented hired or used on behalf of the named insured or its employees or agents. Coverage for property Damage and Bodily injury to a third party (liability) coverage for medical expenses/wages for the operator (PIP) coverage for physical damage to the owned/rented vehicle (comprehensive & collision) as well as coverage for deficiencies in coverage for other vehicles benefitting the operator (uninsured/underinsured motorist)