What are the four main parts of coverage available under a Personal Auto Policy (PAP)?

Part A – Liability, Part B – Medical Payments, Part C – Uninsured Motorists, and Part D – Coverage for Damage to Your Auto.

Under the Personal Auto Policy, who qualifies as a 'named insured'?

The person(s) listed on the declarations page. A spouse who resides in the same household is also considered a named insured even if not listed.

Under the PAP, how is 'family member' defined?

A person related to the named insured by blood, marriage, or adoption who resides in the named insured's household, including a ward or foster child.

Which vehicle type is specifically EXCLUDED from coverage under the standard Personal Auto Policy?

Vehicles with fewer than four wheels (e.g., motorcycles) and vehicles used as public livery or conveyance for a fee are excluded from the standard PAP.

Under the PAP, what is the 'newly acquired auto' provision?

A vehicle newly acquired by the named insured is automatically covered for up to 14 days; the named insured must notify the insurer within that period to continue coverage.

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