Damage to a covered auto while being used in a car pool.

Which of the following is covered under a personal auto policy. Typically drivers are required to have at least basic liability auto coverage. The person s insured and how coverage applies within each coverage. Coupes convertibles sedans and station wagons qualify as private passenger autos for coverage under a Personal Auto Policy.

Who is an insured under a personal auto policy. Three liability parts and one physical damage part. A Use of a non-owned vehicle used without permission B Liability for damage caused by a vehicle designed mainly for off road use C Intentional damage done by the insured D A vehicle driven with permission by an unlicensed driver.

Is the automobile insurance contract purchased by most individuals whether to meet financial responsibility laws or just to protect against the costs associated with auto accidents. This is the only portion of auto insurance that is mandatory. These are the four basic coverages a PAP can consist of.

Under the Personal Auto Policy PAP an insured is. A copy of the Insurance Services Offices sample PAP is provided in. Coverage applies only to the extent that the underinsured motorists limits exceed the bodily injury limits carried by the operator of the other vehicle.

Loss caused by freezing of the cooling system. Named Insured and family members. Personal Auto Policy This policy has four distinct coverage parts.

The Limits of Liability section of the policy places a limit of 500 on trailers. Under a written agreement to that person. PAP Coverages Being a package policy every Personal Auto policy can include a combination of different coverages.