A registration of different types of vehicles can be added to the PAP to insure motorcycles, mopeds, scooters, golf carts, motorhomes and other vehicles. Approval does not cover snowmobiles; they require separate approval. Confirmation of the type of vehicle type can be used to provide all PAP coverage, including liability, medical payments, uninsured motorists and property damage. With a few exceptions, the provisions and conditions of the PAP for these coverages are the same for approval. In addition to the items in Table 14.7 “Other Collision Losses,” the insurer pays up to $20 per day (up to a maximum of $600) for transportation costs in the event of the theft of your covered car. Transportation costs include car rental or additional charges for public transport, taxis and other. You are entitled to expenses that start 48 hours after the flight and end if your insured car is returned to you or if the loss is paid. Call the police immediately if your car is stolen. Each of the first four parties has its own insurance, exclusions and other insurance provisions, but most of the conditions are in Parts E and F. In a sense, each of the first four parts is (almost) a separate directive, and the PAP is a package that brings them all together.
Each party takes effect by stating in the returns that the premium was paid for that specified party and that the coverage is applicable. When you receive your policy, check the returns to make sure they have a premium for all coverage you have requested and make sure your policy information is correct. Areas defined in the Definitions section include the following areas. “You” and “you” refer to “designated insureds” in the declarations and spouses if a resident of the same household. “We,” “we” and “our” refer to the insurance company. A private passenger vehicle is considered the property of a person when it is leased for an uninterrupted period of at least six months as part of a written agreement to that person. If you refer to the PAP in Chapter 25 “Annex B,” you will see that the most recent ISO PAP is from 2003. This PAP defines “you” and “you” with a restriction for spouses who leave home; these spouses are not covered.
Joyce owns a Ford Explorer; Her friend, Sharon, owns a jeep. Joyce has a cover of State Farm and Sharon from ERIE. Both have exactly the same covers and use the PAP.