The PAP and Additional Insureds
Some employers of people who use their personal autos for business want to be named as additional insureds on their personal auto policies (PAPs). However, many companies refuse to do…
Personal Lines
PAP Annotated Endorsements
The purpose of most endorsements is to amend policy forms by either broadening or restricting coverage. Other endorsements simply clarify the intent or scope of coverage. Finally, some endorsements are…
Auto “Gap” Coverage
Getting a new car is usually fun and exciting. But having a total loss on a new car causes a double-whammy: the extreme disappointment of the loss of a new…
