Personal Auto Policy

Overview of the Personal Auto Policy (PAP)

• The PAP is an auto insurance contract for individuals and families owning private passenger vehicles.
• It provides several types of coverage:
  • Liability Coverage: Pays for injuries and damages caused by the insured.
  • Physical Damage Coverage: Covers damage to the insured’s vehicle.
  • Medical Payments Coverage: Pays for medical costs of the insured and passengers.
  • Uninsured/Underinsured Motorist Coverage: Protects against drivers without adequate insurance.

Structure of the Personal Auto Policy (PAP)

• The PAP comprises six parts:
  1. Part A – Liability Coverage: Covers injuries and damages the insured is legally responsible for.
  2. Part B – Medical Payments Coverage: