What is the purpose of a Personal Auto Policy (PAP)?

The purpose of a Personal Auto Policy (PAP) is essentially to provide coverage for individuals and family members who use their vehicles for personal purposes. This policy is designed to protect the insured and authorized drivers from financial losses associated with bodily injury, property damage, and other risks that may arise from the use of their personal vehicles.

The PAP typically includes liability coverage for injuries to others and damage to their property, as well as coverage for the insured's own injuries and vehicle damage. It is structured to meet the needs of private individuals and not for business or commercial purposes, which is why other options focusing on business usage or only commercial vehicles aren't aligned with the intent and function of a Personal Auto Policy.