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Personal Auto Policy (PAP)
- Declaration page
- Agreement and Definitions page
- Part A - Liability coverage
- Part B - Medical payments coverage
- Part C - Uninsured Motorists coverage
- Part D - Damage to your auto coverage
- Part E - Insured duties following an accident
- Part F - General provisions
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PAP - Declarations
- includes general info such as name, mailing address
- also provide insurer name and address
- policy period, covered autos, limits, premium info, endorsements
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PAP - Agreement and definitions
- general agreement stating that the insurer is providing the coverage subject to payment of premium and to the policy terms
- simple-to-understand language
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Overview of PAP coverages
- Part A: liability. Protects insured against claims or lawsuits for BI and PD arising out of the operation of an auto
- Part B: medical payments. Compensates for reasonable and necessary medical and funeral expenses because of BI caused by auto accident
- Part C: uninsured motorists. Pays damages if insured is injured by uninsured motorist, hit-and-run driver, insolvent motorist's insurer
- Part D: damage to your auto (PD). Compensates for physical damage to a covered auto and to certain nonowned autos. Includes other than PD and PD. Optional
- Part E: duties after an accident. Requirement for notifying the insurer
- Part F: general provisions. Policy changes, cancellation, policy period and territory
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PAP - Endorsements
- adapt PAP to state-specific laws and regulations
- provide additional coverages desired by some but not purchased by all
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