What it does
Removes coverage for damage to your auto as described in the endorsement.
Who needs it
Policies where the underwriter or the insured excludes physical damage on certain vehicles.
Quoting and selling notes
- Lenders and lessors will require physical damage on financed or leased vehicles.
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 12 99. State adoption varies; many states use state-specific versions of the PAP endorsements.
