The Fast and the Furious…The PAP and Street Racing
“The Fast and the Furious” is a movie often viewed with delight by teenagers and adult adolescents everywhere. Perhaps it’s no coincidence that since the movie’s rlelease we’ve since had…
Liability Auto
Does the ISO Personal Auto Policy Cover Pizza Delivery?
After years of instructing personal auto seminars, probably the question that comes up most often (except, perhaps, for rental car issues) is whether or not the ISO PAP covers claims…
When is an Auto “Furnished or Available”?
Commonly referred to as the “company car exclusion,” the “furnished or available for your regular use” exclusion can apply to a lot more than that. In addition, what constitutes “regular”?…
Share-the-Expense Car Pools
Between gasoline prices and roadways becoming more and more congested, it can be expected that car pooling will become increasingly popular, if not necessary, in many areas. In this article,…
Company Cars and the ISO Personal Auto Policy
Company cars present a serious coverage gap under the Personal Auto Policy, an exposure that exists for a very high percentage of your insureds. Fortunately, in most cases, this exposure…
The Public or Livery Conveyance Exclusion
The ISO PAP excludes vehicles being used as a public or livery conveyance for liability, medical payments, and physical damage. This exclusion pops up in scenarios ranging from airport shuttles…
PAP Delivery Exclusions
The current ISO PAP excludes the use of an auto as a public or livery conveyance. Older ISO versions excluded transporting property for a fee. However, some company forms exclude…
