What is the primary purpose of a Personal Auto Policy (PAP)?

The primary purpose of a Personal Auto Policy (PAP) is to provide coverage for personal vehicles and liability for bodily injury and property damage. This policy is designed for individuals and families who own and operate vehicles for personal use, ensuring they are financially protected in the event of accidents, theft, or other losses related to their vehicles.

The insurance under a PAP typically includes coverage for bodily injury liability, which pays for injuries that the insured may cause to others in an accident, as well as property damage liability, which covers damage the insured causes to someone else's property. Additionally, it often includes coverage for medical expenses, damage to the insured's own vehicle, and uninsured or underinsured motorist coverage.

In contrast, options that suggest the policy is only for business-use vehicles, focuses solely on discounts, or is limited to rental coverage do not accurately reflect the comprehensive nature of a Personal Auto Policy, which is fundamentally aimed at personal vehicle protection and liability for everyday driving scenarios.