FAQs
It may include liability, medical payment coverage, comprehensive, or collision coverage, depending on your policy. A personal auto policy is insurance on your personal vehicle. It may include liability, medical payment coverage, comprehensive, or collision coverage, depending on your policy.
What does PAP mean in car insurance? ›
A personal auto policy is a standard form promulgated by Insurance Services Office, Inc. (ISO), for insuring private-passenger-type autos owned by individuals.
Which one of the following is covered for liability by a personal auto policy PAP )? ›
In the PAP, the liability insuring agreement can be paraphrased as follows: We will pay damages for “bodily injury” or “property damage” for which any “insured” becomes legally responsible because of an auto accident.
Which of the following is not eligible for coverage under a personal auto policy? ›
Large trucks are usually not eligible for coverage.
What does a personal auto policy cover? ›
Personal auto insurance only covers accidents that occur while you're driving your vehicle for personal use. That includes commuting to and from work and travel unrelated to your job duties. Policies typically insure the owner of the vehicle and one or two immediate family members.
What are 3 items that auto insurance can cover? ›
Physical Damage Coverage pays the cost of repairs or replacement of your car, minus your deductible.
- Collision covers damage to your car from an accident with another car or a physical object.
- Comprehensive covers damage to your car from events other than a collision, such as theft, fire, or vandalism.
The PAP is divided into the following six parts: liability coverage, medical payments coverage, uninsured motorist coverage, physical damage coverage, duties after an accident or loss, and general provisions. Below is an explanation of each part. This is the only portion of auto insurance that is mandatory.
What does PAP stand for? ›
A Pap smear or Pap test is a screening test for cervical cancer. It is named after Georgios Papanikolaou, the doctor who determined its use in detecting early signs that could lead to cervical cancer. May 18, 2022.
What is the difference between a Pap and a BAP auto insurance policy? ›
Your PAP policy only protects you. A BAP protects you, your business, and your employees…even if they are in-laws. Another reason to base your decision on is called “Hired Non-Owned” coverage. This may be an optional coverage on your BAP.
What are the exclusions for liability coverage on a pap? ›
Exclusions: Your PAP identifies a number of events and situations that are specifically omitted or excepted from coverage. These are called exclusions. An example would be property damage and personal injury that you intentionally caused, or damage to a vehicle from normal wear and tear or mechanical breakdown.
If your Personal Auto Policy (PAP) is similar to the industry-standard ISO policy, then the Named Insured, their spouse and their resident family members are typically covered for liability (this is the coverage that pays for the injuries or damages to others) while using ANY AUTO. That is extremely broad coverage.
What does the liability coverage afforded under an unendorsed personal auto policy pap would pay for? ›
The liability coverage afforded under an un-endorsed personal auto policy (PAP) would pay for? The cost of repairing damaged to the neighbors fence caused by the insureds negligent operation of his car.
Which cannot be listed on your Personal auto policy as a covered vehicle under the PAP's definition of your covered auto? ›
Vehicles Not Covered by a PAP
Motorcycles and other vehicles with fewer than 4 wheels and generally, cannot be added as an endorsem*nt.
What coverage Cannot be added under a Personal liability policy? ›
Intentional harm or damage: Injuries or damages you or a household member purposely cause to someone else are not covered. Your own injuries or damages: Personal liability coverage doesn't apply to accidental injuries or damages you cause to you or your family.
What is normally excluded from Personal auto policy? ›
Damage to your vehicle
Some of the damages your insurance won't cover: Normal wear and tear. Tire wear. Damage resulting from prearranged racing.
What does the medical payments coverage in the personal auto policy applies to? ›
It typically covers doctor visits, hospital stays, surgery, X-rays and other medical bills. Medical payments coverage can also help cover medical expenses if you or a family member are injured in another car or as a pedestrian.
What situations are covered by the medical expense protection part of the PAP? ›
Your PAP covers you for the following. If you or a family member (as defined) are injured in an auto accident, your policy covers you for: Necessary medical expenses and funeral expenses within three years of the accident if the injuries occur to a pedestrian or the occupant of a car (medical payments coverage)
What is a pap in medical insurance? ›
Pharmaceutical manufacturers may sponsor patient assistance programs (PAPs) that provide financial assistance or drug free product (through in-kind product donations) to low income individuals to augment any existing prescription drug coverage.
What is the full form of PAP in life insurance? ›
How do I know if my insurance covers my positive airway pressure (PAP) equipment? Most private health insurance policies cover PAP equipment: however, the level of coverage and rules for coverage will depend on your specific insurance policy.
