What it does
Amends the definition of "family member" to include the additional resident named in the schedule, with conditions the named insured must meet.
Who needs it
Households with unrelated adults (partners, roommates) who drive the household autos.
Quoting and selling notes
- Mirror with DL 99 74 on the personal umbrella.
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. State adoption varies; many states use state-specific versions of the PAP endorsements.
