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Auto (Personal)

The personal auto policy (PAP) combines two or more seperate coverages, such as liability and property insurance, into a single policy. This is the primary insurance product for the auto loss exposures faced by families and individuals.

The first part of the policy is liability. It covers your financial responsibility for injuring others and some coverage is required by most states.

The second part of the policy is physical damage. This covers the vehicle itself for damage caused by certain perils. For example, Comprehensive Coverage reimburses losses from fire, theft or other perils other than collision. Collision coverage pays to repair losses caused by collision with an object. There are also ancillary medical, car rental and other coverages which vary by state.

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