PAP
Personal injury protection
Your Covered Autos
Includes trailers you own
Part D of PAP Excludes
Tire damages cause by the
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In PAP new car must be reported in _______ for comp & collision to carry over
14 day
How many separate Limoges are invalid in split PAP liability limits
3
With respect to Uninsured Motorists Coverage on a Personal Auto Policy
An insurer must offer non-stacked rates at a lower premium than it charges for stacked rates.
Under a Personal Auto Policy, autos leased by the insured may:
Be covered if the lease is 6 months or more
On a Personal Auto Policy, what amount is available for the cost of a bail bond that is incurred as a result of a traffic violation?
The cost of the bond is covered up to a maximum of $250.
PAP covers who?
Insured, spouses, family members,
non relative members of the household
PAP covers what vehicles?
Private passenger auto's, pick ups and vans that weigh less than 10,000 pounds, vehicles must be owned or leased for a period of six months
Part A PAP
Bodily injury and property damage coverage = liability
Liability coverage covers
Name insured , family members, people you allowed to borrow your car, other auto's not regularly furnished
Covered autos
Your car, rental car, your new car non-own auto's, on trailers and non-own trailers attached
In your defense
A company can defend , you settle out of court, and if policy coverage is exceeded no further action. All expenses would be covered in addition to policy limits
Bail bond
Will be paid up to $250
Appeal bond or release
Premiums will be paid
Interest of judgment
Premiums will be paid until company pays its share of
Losses of two
$200 per day attending court or hearings at companies request
Expenses
In your defense will be paid at companies request
Bodily injury and property damage exclusions
Intentional, property owner rented transported orange care of insured except damages to rented residents orb private garage, employees with Worker's Comp., while employed fixing cars, anyone who uses the car without permission
Part B. Medical payments
Pays is your medical expenses and funeral up to 3 years / regardless of fault pays after PIP /
Medical payment limits
$500 $1000 $2000 $5000
Medical payments cover who?
Insured, family members injured in motor vehicles, or pedestrians anywhere in territorial limits
Medical payments are excluded
Motorcycles non-own, cars regularly furnished,vehicles used to carry a person, anyone using your auto without permission
Part C uninsured motorist and Under insured motorist coverage
Pays insured what he's legally entitled to recover from uninsured motorists for bodily injuries
Non-stacking
Has to be written or requested in writing
Uninsured motorist cannot
Be more then bodily injury limits
Uninsured motorist covers
Insured family members injured in a motor vehicle or as a pedestrian
Uninsured motorists will only cover if found legally liable
Uninsured motorists, hit and run driver, driving with an insult vent carrier, Underinsured motorist
Part D damages to your auto
Comprehensive and collision coverage
New auto with no comprehensive or collision coverage
Policies grant for day coverage during which the insured must have a $500 deductible
Non-own auto's and trailers
Are included with coverage of $1500
Rental expenses
24 hours after loss and 48 hours after he that it covers $20 per day with a maximum of $600
Part D exclusions
Radar detectors confiscations by government loss of record tapes loss of CB radios and telephones loss of customize equipments on pick up trucks panels are vans wear and tear and mechanical breakdowns electronica failures roll damages to tires are all excluded [Show Less]