Insurance

Personal Auto Policy (PAP)

The Personal Auto Policy is a standardized auto insurance contract covering liability, medical payments, uninsured motorists, and physical damage for personal vehicles.

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Exam Tip

PAP has 6 parts (A-F). Part A = Liability. Part D = Physical Damage. Know split limits: 100/300/100.

What is the Personal Auto Policy?

The Personal Auto Policy (PAP) is the standard form used for personal (non-commercial) auto insurance. It provides six parts of coverage, each addressing different risks.

PAP Coverage Parts

PartCoverageWhat It Pays
Part ALiabilityDamages you cause to others
Part BMedical PaymentsMedical costs for you/passengers
Part CUninsured MotoristsHit by driver without insurance
Part DPhysical DamageDamage to your own car
Part EDuties After LossYour responsibilities
Part FGeneral ProvisionsPolicy conditions

Part A - Liability Coverage

ComponentDescription
Bodily InjuryInjuries you cause others
Property DamageDamage to others' property
Split Limits100/300/100 = $100K per person, $300K per accident, $100K property
CSLCombined Single Limit (one amount for all)

Part D - Physical Damage

CoverageProtects Against
CollisionHitting objects, overturning
Other Than Collision (Comprehensive)Theft, vandalism, weather, animals

Who Is Covered?

PersonCoverage Extends To
Named InsuredOwner of policy
SpouseIf resident of household
Family MembersResidents using covered auto
Permissive UsersAnyone using car with permission

Common PAP Exclusions

  • Vehicles used for business (commercial auto needed)
  • Intentional acts
  • Vehicles with fewer than 4 wheels
  • Racing or speed contests
  • Rental to others

Exam Alert

Know all 6 parts of the PAP! Part A (Liability) is most important. Understand split limits format: BI per person/BI per accident/PD.

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