What it does
The 09 18 edition defines "you" and "your" as two or more individuals other than spouses residing together who jointly own an eligible vehicle, and adds schedule entries for the joint owners.
Who needs it
Unmarried partners or relatives who co-own vehicles.
Quoting and selling notes
- Non-resident relatives who co-own a vehicle can also be shown under the 09 18 schedule.
How PAP endorsements attach
PAP endorsements modify PP 00 01 and are listed on the declarations (PP DS 01). In the 2018 revision ISO also made editorial changes across the multistate endorsements, including a statement that schedule information not shown on the endorsement will be shown in the declarations, so check the declarations page for limits, vehicles and named persons.
Editions and availability
Current edition 09 18, replacing 01 05, 06 98. State adoption varies; many states use state-specific versions of the PAP endorsements.
