What it does
The special PAP provides personal auto coverages with differences from PP 00 01 set by state requirements; it is written with the PP 91 to PP 94 series of state amendments and single-limit and UM/UIM endorsements.
Who needs it
Personal auto insureds in states where carriers file the special PAP.
Quoting and selling notes
- Check which policy the carrier uses before comparing endorsements; numbers in the PP 9x series parallel the PP 0x series.
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 07 06. State adoption varies; many states use state-specific versions of the PAP endorsements.
