Part A Liability of the PAP excludes coverage for which type of user?

The correct answer emphasizes the exclusion of coverage for non-permissive users within the Personal Auto Policy (PAP). A non-permissive user refers to someone who operates a vehicle without the permission of the owner. In the context of insurance, if a person takes or uses a vehicle unlawfully or without consent, the liability coverage under the owner's PAP does not extend to that individual.

This is an important aspect of liability coverage, as insurance companies often seek to limit their exposure to risks that arise from unauthorized use of vehicles. In contrast, permissive users—those who have received permission from the owner to use the vehicle—are typically covered under the owner's policy, as well as regular users (those who routinely use the vehicle with the owner's consent) and temporary users (those who may borrow the vehicle temporarily with permission). These groups have the owner's consent to operate the vehicle; therefore, they fall within the protective coverage of the liability section of a Personal Auto Policy.