What it does
Shows the named insured, policy period, covered autos, coverages and limits for Parts A–D, deductibles, loss payees and attached endorsements. Carriers reformat it.
Who needs it
Every PAP; check it for the vehicles' ownership, garaging, use and the umbrella's required underlying limits.
Quoting and selling notes
- Compare the vehicle list with the client's registrations and any business-titled vehicles.
Business use notes for commercial agents
The PAP covers business use of private passenger autos, pickups and vans (Exclusion A.7 does not apply to them), but excludes the auto business (selling, repairing, servicing, storing or parking vehicles) for vehicles other than the insured's own covered auto, any vehicle used as a public or livery conveyance including time logged into a transportation network platform, and, for newly acquired pickups and vans, use for delivering goods unless incidental to an installing, maintaining or repairing business or to farming or ranching. Vehicles titled to or furnished by the business, heavier trucks and fleets belong on a commercial auto policy (CA 00 01), where "regular use" vehicles furnished by an employer are a common gap that PP 03 06 can fill.
Editions and availability
Current edition 09 18. State adoption varies; many states use state-specific versions of the PAP endorsements.
