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Question 1
What are the four main parts of coverage available under a Personal Auto Policy (PAP)?
Answer: Part A – Liability, Part B – Medical Payments, Part C – Uninsured Motorists, and Part D – Coverage for Damage to Your Auto.
Question 2
Under the Personal Auto Policy, who qualifies as a 'named insured'?
Answer: 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.
Question 3
Under the PAP, how is 'family member' defined?
Answer: 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.
Question 4
Which vehicle type is specifically EXCLUDED from coverage under the standard Personal Auto Policy?
Answer: 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.
Question 5
Under the PAP, what is the 'newly acquired auto' provision?
Answer: 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.