What type of vehicles are generally covered under a PAP?

The Personal Auto Policy (PAP) is designed to provide coverage for personal vehicles and typically includes private passenger vehicles, which are defined as four-wheeled vehicles weighing less than 10,000 pounds. This policy covers different types of vehicles such as sedans, SUVs, and vans that people use for personal use rather than for business or commercial purposes.

It is essential to understand that vehicles over 10,000 pounds or those specifically used for commercial purposes do not generally fall under the PAP’s coverage. This distinguishes personal vehicles from larger trucks or commercial vehicles that require specialized insurance according to their unique use and risk factors. Additionally, two-wheeled motorcycles are often covered under different types of insurance policies rather than a standard auto policy meant for four-wheeled vehicles. Therefore, the most accurate choice that aligns with the definition and coverage scope of a Personal Auto Policy is the category of four-wheeled vehicles under 10,000 pounds.