Personal Auto Policy
The five parts
A - Liability, B - Medical Payments, C - Uninsured/Underinsured Motorists, D - Damage to Your Auto, E - Duties After an Accident. The PAP is a personal lines policy for a private passenger auto owned or leased by an individual.
Covered autos
Your covered auto includes listed vehicles, a newly acquired auto, a trailer, and a temporary substitute. A newly acquired auto that replaces a listed auto has automatic coverage; one that is additional gets liability, MedPay, and PIP for 14 days and physical damage for 4 days, longer if the insurer is notified.
Parts A and B
Liability pays on behalf of the insured for bodily injury and property damage, plus defense costs in addition to the limit. Limits may be split (25/50/25) or a combined single limit. Part B MedPay pays medical and funeral expenses for the insured and passengers regardless of fault. The out-of-state provision automatically raises limits to the minimum the other state requires.
Parts C and D
UM pays when the at-fault driver has no insurance; UIM when those limits are too low. Part D pays direct and accidental loss to a covered auto: collision versus other than collision (theft, fire, glass, animals, weather), settled at actual cash value less the deductible.
Exclusions
Intentional damage, racing, vehicles used for livery or ride-sharing, delivery and other business use, vehicles with fewer than four wheels, and a vehicle furnished for regular use.
Trap: a pizza driver using a personal car for delivery is generally excluded under the PAP; a business auto policy is needed.