The Florida Personal Auto Policy (PAP) offers broad coverage for the private family exposure. Because it is designed in this manner, it is only available to an individual, related persons, or unrelated persons who reside together. It is not offered to any business interests.
Further, there are restrictions on the type of auto, as PAP’s only will accept private passenger autos or pickups and vans that have a certain weight (less than 10,000 pounds) and are not used to transport goods, maintenance or repair, or for farming or ranching.
The Personal Auto Policy is divided into sections:
- Agreement and Definitions
- Part A Liability Coverage
- Part B – Medical Payments Coverage
- Part C – Uninsured Motorists Coverage
- Part D – Coverage for Damage to Your Auto
- Part E – Duties after an Accident or Loss
- Part F – General Provisions
No-Fault Personal Injury Protection (PIP) coverage is added by endorsement.
In articles in the sections under this heading article we will cover the major parts of a Personal Auto Policy listed above.