The Personal Auto Policy (PAP)
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PAP Policy Structure
A complete PAP consists of three major parts—a declarations page, the personal auto coverage form, and any applicable endorsements that amend various policy provisions.
Your Covered Auto
- "Your covered auto" is a critical term used throughout the PAP. There are four types of covered autos
- vehicles shown in the declarations
- newly acquired autos
- owned trailers
- temporary substitute autos
Newly Acquired Vehicle
an auto that the name insured becomes owner of while the policy is in force. Coverage automatically applies. Should notify insurer within 14 days.
Temporary Substitute Autos
If the named insured’s car is undergoing repairs or maintenance, a vehicle the insured rents or borrows or one that is provided by the garage as a temporary replacement is considered a covered auto for purposes of liability, medical payments, and uninsured motorists coverage. However, the provision defining a temporary substitute as a covered auto does not apply to physical damage (collision and other-than-collision) coverage.
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