Which of the following is typically a requirement for obtaining a Personal Auto Policy?

A Personal Auto Policy (PAP) is designed to provide coverage for personal vehicles used for personal, non-business purposes. To obtain such a policy, one key requirement is having a valid driver's license. This verification ensures that the insured has the legal right to operate a vehicle, which is crucial for any auto insurance. Insurers require this documentation to assess the risk involved in providing coverage, as driving without a valid license can indicate a higher risk profile.

While minimum liability coverage limits are important and typically required by law, they are generally a stipulation of the policy itself rather than an initial requirement to obtain the policy. Employment verification is not a standard requirement for personal auto insurance, as this insurance is meant for personal use rather than commercial use, which is where ownership of a commercial vehicle comes into play. Therefore, having a valid driver's license stands out as the most critical requirement for securing a Personal Auto Policy.