What it does
The PAP excludes liability (and other coverages) for vehicles furnished or available for the regular use of the insured other than "your covered auto". PP 03 06 restores coverage for the individual named in the endorsement while using such a non-owned vehicle.
Who needs it
Employees and business owners who drive a company-furnished car, and executives whose company car is insured on the business's commercial auto policy but who want their own coverage to follow them.
Quoting and selling notes
- The company's commercial auto (with CA 99 10 Drive Other Car on the business side) is the other half of the solution.
- Vehicles furnished for public or livery use need PP 13 05.
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, replacing 01 05, 06 94. State adoption varies; many states use state-specific versions of the PAP endorsements.
