All of the following are true statements regarding coverage limits of low-cost automobile insurance EXCEPT...

In the context of low-cost automobile insurance, the coverage often prioritizes affordability and essential protections, which may lead to certain limitations. Specifically, low-cost auto insurance policies typically provide minimum liability limits to comply with state requirements, making option B a true statement. Additionally, the premiums for such policies are designed to be lower, which aligns with option C.

Option D being true indicates that some low-cost policies may offer coverage for uninsured motorists, although this can vary depending on specific state regulations and the insurance provider.

On the other hand, the assertion that the policy would provide coverage for physical damage is typically not true for low-cost automobile insurance. Many of these policies focus primarily on mandatory liability coverage and might exclude comprehensive and collision coverage, which are necessary for physical damage protection. This limitation is essential for offering lower premiums, which is a defining characteristic of such insurance. Therefore, the statement regarding physical damage coverage is accurate in highlighting a common exclusion in low-cost auto insurance.