I know I have said this before, but I have had a rash of phone calls lately from people with some obscure coverage questions. The questions have ranged from "Am I covered if I drive another car?" to "Am I covered if I run from the police and get in a car accident?"
My answer is always the same: I don't know. Why do I not know? Is there some character flaw? Is it because I am not that smart? Maybe. But the real reason I do not know is because I do not know what that person's specific policy says.
Most policies follow the ISO standard policy. However, not every policy does. In fact, even within an insurance company, there are two or three or four auto policies. And, some insurance companies write their own policies. When I was an adjuster for CIGNA, we had these "plain English" policies that were written to be understood by people. Unfortunately, they were so different from every other policy that no one really knew what was covered!
So, if you have a question on what is covered by your insurance policy, start with the basics: read the policy. If you are having problems with that, and most people do, then contact an attorney. And bring your policy!