What it does
Covers reasonable expenses to regain access to a covered auto when the key or fob is lost or stolen and the cost to replace or program it, up to the scheduled limit per auto for the policy period.
Who needs it
Owners of vehicles with expensive smart keys.
Quoting and selling notes
- Low-cost add-on; check limits per vehicle.
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. State adoption varies; many states use state-specific versions of the PAP endorsements.
