3.

Personal Auto Policy

EVENT/CLIENT NAME or Confidentiality statement

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PAP

PAP:
o To insure Passenger Autos

o Cars, Vans, Station Wagons, and Sport Utility Vehicles o Designed primarily for use on Public Roads as well as pick up Vans o Can also be used If allowed by state and Insurer
Motor Cycles Golf Carts Snow Mobiles Motor Homes by adding appropriate Endorsement

EVENT/CLIENT NAME or Confidentiality statement

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Personal Auto Policy Provisions

EVENT/CLIENT NAME or Confidentiality statement

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PAP Policy

Policy Declarations
An Agreement and Definitions Six Parts
o Part A - Liability Coverage o Part B - Medical Payments Coverage o Part C - Uninsured Motorists Coverage o Part D - Coverage for Damage to your Auto ( Physical Damage or PD) o Part E - Duties after an Accident or Loss o Part F - General Provisions

EVENT/CLIENT NAME or Confidentiality statement

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PAP Declarations

EVENT/CLIENT NAME or Confidentiality statement

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PAP- Declarations

Policy Declarations o
Insurance Company o Named Insured o Policy Period o Description of Insured Autos o Schedule of Coverages o Applicable Endorsements o Lien Holder o Garaged Location o Rating Information o Signature

EVENT/CLIENT NAME or Confidentiality statement

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PAP- Agreement and Definitions

EVENT/CLIENT NAME or Confidentiality statement

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PAP Agreement and Definitions

Agreement
Legally enforceable offer and acceptance contract between competent Parties (insured and insurer) with consideration

Definitions
o Provides definitions of important terms in the contract

o Removes the ambiguity in the policy language

o Helps both the insured and insurer

o Contains words and phrases that are later referred in the policy o You and Your, We, us and our, Leased, Bodily Injury, Business,Family Member, Occupying, Property Damage, Trailer, Your Covered Auto

EVENT/CLIENT NAME or Confidentiality statement

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PAP Agreement and Definitions

Your Covered Auto o Any vehicle shown in the declaration o A newly acquired auto o Any trailer you own o A temporary substitute auto or trailer

EVENT/CLIENT NAME or Confidentiality statement

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PAP - Part A Liability Coverage

EVENT/CLIENT NAME or Confidentiality statement

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PAP Liability coverage

Insuring Agreement
Supplementary Payments
Exclusions Limit of Liability Out-of-State Coverage Financial Responsibility

Other Insurance

EVENT/CLIENT NAME or Confidentiality statement

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PAP Liability coverage

Insuring Agreement
Damages and Defense Costs
o Bodily Injury( BI), Property Damage ( PD) o Compensatory Damages Special Damages General Damages

o Punitive Damages
o Defense Costs Pre Judgement Interest. o Limits: Split Limits Single Limit

EVENT/CLIENT NAME or Confidentiality statement

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PAP Liability coverage

Insuring Agreement
Persons and Organizations Insured
Named Insured and Family Members Any person using the named insureds covered auto Any person or organization legally responsible for the acts of a covered person while using a covered auto Any person or organization legally responsible for the named insureds or family members use of any auto mobile or trailer

EVENT/CLIENT NAME or Confidentiality statement

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PAP Liability coverage

Supplementary Payments
Cost of bail bonds ($250) Premiums on appeal bonds and bonds to release attachment Interest accruing after a judgement Loss or earnings because of attandance at trails Other reasonable expenses incurred at insurers request

EVENT/CLIENT NAME or Confidentiality statement

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PAP Liability coverage

Exclusions
Intentional BI or PD Damage to Property owned or transported by insured Property rented to, used by, or in the care of the insured (Exemption Rented House) Bodily Injury to an employee of insured during the course of employment (Exemption Domestic worker)

Garage Business use

Other Business Use City bus or large commercial truck Public or Livery Conveyance ( except the share-the-expense Car Pools) Vehicle with fewer than 4 wheels Vehicle arranged for Regular use Vehicle used in Racing Vehicles used in automobile Business

EVENT/CLIENT NAME or Confidentiality statement

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PAP Liability coverage

Limit of Liability Split Limits

BI to each person BI to all persons in each accident PD in each accident

Single Limit Out of state coverage Financial Responsibility Other Insurance

More than one insurance Borrowed Vehicle

EVENT/CLIENT NAME or Confidentiality statement

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PAP- Part B Medical Payments Coverage

EVENT/CLIENT NAME or Confidentiality statement

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PAP Medical Payments coverage

Insuring Agreement
Insured Persons
o Named Insured and Family Members o Any Other Person while Occupying Covered Auto

Medical Payments Exclusions

Limit of Liability
o No Duplicate Payments under Coverages A, C

Other Insurance
o On Pro-rata if more than one insurance o In case of Non-Owned, excess over any Other Collectible Insurance

EVENT/CLIENT NAME or Confidentiality statement

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Medical Payments Loss of Exposures & Coverage Exclusions

EVENT/CLIENT NAME or Confidentiality statement

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Medical Payments coverage Loss of Exposures excluded

Fewer than 4 wheels Public or Livery Conveyance ( but Share-the-expense Car Pools) Vehicles used as residence or premises Injury during the course of employment Regular use Occupation without Reasonable belief Vehicles used in Business Nuclear weapons, war Racing

EVENT/CLIENT NAME or Confidentiality statement

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PAP- Part C UI Coverage

EVENT/CLIENT NAME or Confidentiality statement

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PAP Policy UI coverage

Insuring Agreement Insured Persons Named Insured and Family, Any other person occupying a covered auto, any person legally entitled to recover damages Uninsured Motorists Vehicles
No insurance, less insurance, Hit and Run, Insurer Insolvent

EVENT/CLIENT NAME or Confidentiality statement

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PAP- Part C UI Exclusions

EVENT/CLIENT NAME or Confidentiality statement

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PAP UI Exclusions

Owned but not insured Owned vehicle with primary UM coverage in other policy Claim settlement that prejudices Insurers right of recovery Public or Livery Conveyance Vehicle used without reasonable belief of being entitled Punitive Damages

EVENT/CLIENT NAME or Confidentiality statement

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PAP UI Exclusions

Limits of Liability (No Stacking and No Overlapping) Other Insurance (Three examples in page 3.44 and 3.45) Arbitration

EVENT/CLIENT NAME or Confidentiality statement

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PAP- Part D Coverage for Damage to your Auto

EVENT/CLIENT NAME or Confidentiality statement

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PAP- Part D Coverage for Damage to your Auto

Insuring Agreement
Collision coverage Other than collision coverage Non Owned Vehicle

Transportation Expenses ( $ 20 per day and total $600)

Collision 24 waiting period

OTC 48 hours waiting period

EVENT/CLIENT NAME or Confidentiality statement

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PAP- Part D Coverage for Damage to your Auto

Exclusions
Public or livery conveyance Wear and Tear, Freezing. Breakdown and road damage to tyres Radioactive contamination or war Electronic Equipment Media and Accessories

Government Destruction or Confiscation

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PAP- Part E and F Policy Conditions

EVENT/CLIENT NAME or Confidentiality statement

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PAP Conditions
Part E- Duties after an Accident
o General Duties
o Additional Duties for UIM o Additional Duties for Physical Damage Coverage

General Duties
o Prompt Notice o Cooperation o Submission of legal Papers o Physical Examination

o Examination under Oath

o Authorization of medical Records o Proof of Loss

EVENT/CLIENT NAME or Confidentiality statement

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General Duties after an Accident

Duties under UIM
o Notify Police o Submit Legal Papers

Duties for Physical Damage

o Prevent further Loss

o Notify Police
o Permit inspection or Appraisal

EVENT/CLIENT NAME or Confidentiality statement

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PAP General Policy Provisions

Part F General Provisions

o Bankruptcy Of Insured o Changes in the policy (Endorsement, Liberalization Clause) o Fraud o Legal action against the Insurer o Insurers right to recover payment

o Policy Period and Territory

o Termination o Cancellation o Non-Renewal

EVENT/CLIENT NAME or Confidentiality statement

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Personal Auto Policy- Endorsements

EVENT/CLIENT NAME or Confidentiality statement

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PAP Endorsements

Other

Endorsements affecting Multiple Coverages

o Named Non-Owner Coverage Endorsement o Extended Non-Owner Coverage for Named Individual Endorsement o Limited Mexico Coverage Endorsement

EVENT/CLIENT NAME or Confidentiality statement

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PAP Endorsements

Endorsements Covering Motor Cycles, Recreation, and Customizing

o

Miscellaneous Type Vehicle Endorsement

Optional Passenger hazard exclusion

o o o

Trailer/Camper body Coverage Endorsement Customizing Equipment Coverage Endorsement Snowmobile Endorsement

EVENT/CLIENT NAME or Confidentiality statement

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PAP Endorsements

UIM Endorsement Endorsements affecting PD Coverage

o Towing and Labor Costs

o Coverage for excess sound reproducing equipment, audio visual and data
o Electronic Equipment, and tapes, records, disks, and Other Media Endorsement o Coverage for Damage to your Auto(Maximum Limit of Liability) endorsement

o Auto/Lease Coverage

EVENT/CLIENT NAME or Confidentiality statement

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