What it does
Pays damages the insured is legally entitled to recover from the owner or operator of an underinsured motor vehicle. The 09 18 revision added the public or livery conveyance changes, the personal vehicle sharing exclusion and the flying car exclusion to the UIM form.
Who needs it
Most personal auto insureds; UIM is mandatory or must be offered in many states, usually on state-specific forms.
Quoting and selling notes
- Check the state UM/UIM form the carrier actually uses.
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.
