(PAP) "... covered auto" 1
any car you borrow with permission
(PAP) "... covered auto" 2
any newly acquired auto
(PAP) "... covered auto"
... [Show More] 3
any trailer owned by insured
(PAP) "... covered auto" 4
insurance coverage follows PERSON, NOT the AUTO
Personal Auto Policy (PAP) Part A is
Limited Liability
Limited Liability protects
insured against legal liability for property damage/bodily injury caused to other parties
Limited Liability provides
legal defense of lawsuits
3 Policy Minimums for Alabama:
$25,000 per person
$50.000 per accident
$25.000 property damage
Personal Auto Policy (PAP) Part B is
Medical Payments
Personal Auto Policy (PAP) Part B "no-fault"
pays for medical expenses of insured & guests in insured's vehicle regardless of fault
Personal Auto Policy (PAP) Part B covers
medical expenses up to 3 years
Personal Auto Policy (PAP) Part B applies
a single limit to each person per accident
Personal Auto Policy (PAP) Part B kicks in
after Personal Injury Protection (PIP) is exhausted
Personal Auto Policy (PAP) Part C is
Uninsured/Under-Insured Motorists
Personal Auto Policy (PAP) Part C is NOT
required in Alabama
Personal Auto Policy (PAP) Part C includes
"hit and run"
Personal Auto Policy (PAP) Part D is
Coverage for Damage to your Auto (Physical Damage) - 2 Types
Personal Auto Policy (PAP) Part D 2 Types
Collision, and Other Than Collision (Comprehensive)
Personal Auto Policy (PAP) Part D - Collision
pays insured in the event of an accident whether at fault or not
Personal Auto Policy (PAP) Part D - Comprehensive
"all risks" coverage that insures against: theft, hail, rain/flood, wind, vandalism, explosion, earthquake, riot or civil commotion, falling objects, fire, bird or animal, missles
No Fault Coverage - Personal Injury Protection (PIP)
pays regardless of who was at fault; restricts rights of insured to seek recovery in civil court; not required in Alabama
Personal Auto Policy (PAP) Part E
duties after an accident or loss [Show Less]