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Personal Automobile Policy (PAP). Sections of the PAP. Pick and choose what you want A Liability Coverage (000s) 100/300/50 B Medical Payments Coverage $500 per person C Uninsured Motorist (000s) 100/300 UMPD available 100/300/50 D Damage to your auto
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Sections of the PAP • Pick and choose what you want • A Liability Coverage (000s) 100/300/50 • B Medical Payments Coverage $500 per person • C Uninsured Motorist (000s) 100/300 • UMPD available 100/300/50 • D Damage to your auto • Collision ACV less Deductible • Other than collision ACV less Deductible
Policy Limits • Split Limit Coverage • For example 100/300/50 • 100K per person max BI • 300K per occurrence max BI • 50K per occurrence max PD • Combined Single Limit (CSL) • For example $300,000 • Does not matter whether it is BI or PD Liability, when the 300,000 is exhausted, there is no more coverage for the occurrence.