An auto insurance policy will cover you and other family members on the policy whether driving your car or someone elses car with their permission.

Personal auto policy definition. That exclusion list is below note this list covers only the Liability section. Your personal auto policy only covers personal driving whether youre commuting to work running errands or taking a trip. It also limits coverage for a permissive user to maintenance or use of the named insureds covered auto up to the states minimum financial.

These policies offer coverage for liability medical payments damage to the vehicle and damage from uninsuredunderinsured motorists. This policy has four distinct coverage parts. NORTH CAROLINA PERSONAL AUTOMOBILE POLICY PROGRAM Page 2 Added a definition of Delivery Network Platform and added exclusionary language to clarify that delivery services are excluded under the base policy.

Part A explains the liability coverage Part B explains the medical payments coverage Part C explains the coverage. Personal Auto Policy PAP provisions includes duties of insured after an accident. It is a required provision in virtually all auto insurance policies.

This policy is a legal contract between you and us. A car insurance policy is what is known as an Open Peril policy meaning everything that can happen to you is covered except what is on a very specific list of uncovered exclusions. Specifically it limits coverage for family members to maintenance or use of the named insureds covered autos only.

Added an exclusion for an auto being used in exchange for. Any auto or trailer you do not own while used as a temporary substitute for any other vehicle described in this definition which is out of nor-mal use because of its. Definition Personal Auto Policy PAP a standard form promulgated by Insurance Services Office Inc.

Any vehicle shown in the Declarations. Simplified to make it more understandable. The personal auto policy is a standardized design for auto insurance.