Overview of Personal Auto Policies

The Personal Auto Policy (PAP), which was drafted by the Insurance Services Office, is used as a model for auto insurance policies across the United States. It replaces the older 1998 form.

In common usage, PAP referrs to the collection of documents that make up your auto insurance policy. These documents include a declarations page, a definitions page, and then six sections or parts that provide different insurance terms. The sections or parts describe what is covered.

Eligible Vehicle

Not all vehicles qualify for coverage under PAP. To be covered, generally, a vehicle must have four wheels (i.e., not be a motorcycle) and a motor and be owned or leased by you for a period of six months or more.

Your Covered Auto

The PAP also defines what qualifies as "your covered auto." This term covers four classes of vehicles, including:
  • Any vehicle shown in your insurance declaration page,
  • A newly acquired car,
  • A trailer you own that is designed to be pulled by a car, and
  • A temporary substitute vehicle.
All other vehicles are not covered by the PAP.

Summary of Coverages

As explained above, the PAP has six sections or parts that define what is covered. These parts are: