The person s insured and how coverage applies within each coverage.

Personal auto policy definition. Personal Auto Policy PAP provisions includes duties of insured after an accident. That exclusion list is below note this list covers only the Liability section. This policy has four distinct coverage parts.

Medical payments coverage is an add-on to an auto insurance policy that covers expenses related to vehicular accidents. It will not provide coverage if you. Definition Personal Auto Policy PAP a standard form promulgated by Insurance Services Office Inc.

A vehicle used as a residence A vehicle while located for use as a residence would not be an uninsured vehicle. Three liability parts and one physical damage part. What is bodily injury liability.

They are boldfaced when used. The policy may be structured to provide a combination of liability personal injury protection PIP medical payments uninsured and underinsured motorists UMUIM and physical damage coverages. All of the following are duties of insured after an accident EXCEPT.

An employee using his or her personal auto on behalf of his employer to conduct business run errands or otherwise benefit the employer. Added an exclusion for an auto being used in exchange for. Other words and phrases are defined.

The Personal Auto Policy is designed for easy reference. The personal auto policy PAP is a standardized design for auto insurance. Part A explains the liability coverage Part B explains the medical payments coverage Part C explains the coverage.