Insurance-Personal Auto

Front

PERSONAL AUTO POLICY (PAP)

Back

multi-line policy-liability and property coverage

A. Liability (residual liability)

B. Medical pmts (personal protection insur)

C. Uninsured (UM)/Underinsured (UIM) motorist

D. Physical damage to auto

Front

IN PAP, 3 COVERAGES MUST BE INCLUDED

Back

1. 1. residual liability (part A)

2. 2. property protection insurance (part A)

3. 3. personal protection insurance (part B)

Front

YOU/YOUR

FAMILY MEMBER

Back

1. you/your=named insured and resident spouse

2. family member=resident relative by blood, marriage, foster, adoption

Front

BODILY INJURY

Back

1. bodily harm, sickness, disease, including resulting death

Front

PROPERTY DAMAGE

Back

physical damage to another's property including loss of use

Front

OCCUPYING

Back

in, upon, getting into/onto/out of/off of a vehicle (NOT getting out from underneath)

Front

COVERED AUTO

Back

listed on dec page, private passenger auto, 4 wheels, pick up/van, under 10,000 lbs, not used for business (FARM NOT BUSINESS), owned/leased for at least 6 months, not furnished to you for use

Front

COVERED AUTO CONT...

Back

newly acquired within policy period, if vehicle on current policy has comp/collision, new will have same for 14 days if added within 14 days.

if vehicle not have comp/collision, new vehicle gets comp/collision 4 days with $500 deduct. if added within 4 days

Front

COVERED AUTO CONT.

Back

temporary substitute for named insured (breakdown, repair, servicing, loss, destruction). ANY LOANER. any trailer owned by named insured including farm equipment being towed (liability only)

Front

PERMISSIVE USE COVERAGE

Back

if borrow a car, their policy is primary. you own personal auto provides EXCESS. Primary coverage comes from policy that lists the vehicle