What it does
The PAP excludes vehicles with fewer than four wheels or designed mainly for off-road use. PP 03 23 schedules such vehicles for the coverages shown. The 09 18 edition added a mold (fungi) exclusion under Part D and clarified that the motor home exclusion does not apply to a non-owned motor home used as a temporary substitute.
Who needs it
Owners of motorcycles and other miscellaneous vehicles who want them on the personal auto policy rather than a separate motorcycle policy.
Quoting and selling notes
- Many carriers write motorcycles on a separate specialty policy; check the umbrella's motorcycle exclusion (DL 98 24).
- Renting a motor home to others is addressed by PP 03 28.
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 98. State adoption varies; many states use state-specific versions of the PAP endorsements.
