What does the Personal Auto Policy (PAP) include?

The Personal Auto Policy (PAP) is designed to provide comprehensive coverage for personal vehicles, incorporating both property and liability protections. Property coverage within the PAP covers damage to the insured vehicle, including collision and comprehensive coverage, which handles damages from accidents, theft, vandalism, or natural disasters.

Liability coverage, on the other hand, protects the insured against claims made by others for bodily injury or property damage that occurs as a result of an accident where the insured is at fault. This two-fold structure ensures that the policyholder has financial protection for their own vehicle and liability for damages inflicted on others, which are essential components of personal auto insurance.

Emergency roadside assistance, while a valuable service, is not a standard component of the PAP and may be available as an endorsement or separate policy. Therefore, the inclusion of both property and liability coverage in the PAP makes it a comprehensive insurance product for personal vehicle owners.