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Temporary Substitute Autos Under PAPs and BAPs

The ISO PAP extends coverage to “temporary substitute” autos One question is what constitutes “temporary”? What if your car is in the shop for six weeks and you have a loaner…at what point does it become “furnished or available for your regular use” and excluded? Some auto policies have specific time limits but the ISO PAP does not. Also, what type of coverage for “temporary substitutes” is provided by the ISO BAP? Caution: MANY agents do not understand the gap in a BAP compared to a PAP for temporary substitute autos.

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