PERSONAL AUTO POLICY · 6 MIN READ

PAP Structure, Definitions, and Your Covered Auto

The ISO Personal Auto Policy (PP 00 01) is organized into six parts: Part A Liability, Part B Medical Payments, Part C Uninsured/Underinsured Motorists, Part D Coverage for Damage to Your Auto, Part E Duties After an Accident or Loss, and Part F General Provisions. Everything in the policy runs through two definitions the exam tests relentlessly: who is an insured and what counts as your covered auto. Under Part A, an insured includes the named insured and family members for the use of ANY auto, any person using YOUR covered auto with permission, and persons or organizations vicariously liable for that use. Eligible vehicles include private passenger autos plus pickups and vans (under the 10,000-pound gross vehicle weight class used for eligibility). Your covered auto means: vehicles shown in the Declarations, a newly acquired auto, any trailer the named insured owns, and a temporary substitute vehicle used while a covered auto is out of service because of breakdown, repair, servicing, loss, or destruction. Newly acquired autos follow a 14-day rule that replaced older 30-day and 4-day constructs. For an ADDITIONAL auto (the insured keeps the original), coverage begins at acquisition with the broadest coverage carried on any declared vehicle, but the insured must ask the insurer to insure it within 14 days for coverage to continue. For a REPLACEMENT auto, liability-side coverages continue automatically, while Part D physical damage requires a request within 14 days. Failing to report can cost the insured physical damage coverage even though liability often continues. A trailer is defined as a vehicle designed to be pulled by a private passenger auto, pickup, or van — including farm wagons and implements while being towed. Part A liability follows an owned trailer automatically, but Part D physical damage on a non-owned trailer is capped at a $1,500 sublimit, so owned trailers should be scheduled on the Declarations for full physical damage protection. Boat trailers follow the same default cap pattern.