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Personal Automobile

The Personal Auto Policy (PAP) is often the first insurance policy a consumer buys and the first insurance product an agent sells. It's important for both the consumer and the insurance professional to understand the policy. This course is written from the perspective of the insurance producer or underwriter who needs a detailed understanding of the personal auto policy. In this course you will review key definitions and concepts such as who is an insured and when non-owned autos can be covered by your auto policy. The course reviews important liability coverage and exclusions, physical damage coverages, important endorsements, rental car coverage, automatic coverage extensions, and other important changes.

You will be able to achieve the following after completing the course:

  • List and explain eligibility rules, key policy definitions, concepts and coverage implications to "You", BI and PD, "Family Member", "Covered Auto", "Owned" vs. "Covered Autos", "non-owned autos", and "Newly Acquired" and "Temporary Substitute Autos".

  • Describe the elements of negligence, how defense coverage is provided, the different categories of insureds, and what situations PAP liability coverages are triggered.

  • List and explain key liability, medical payments, uninsured and underinsured motorist, coverage, no-fault plans, and physical damage exclusions and policy limitations.

  • Explain how PAP endorsements can expand coverage for excluded risks or coverage limitations related to auto liability, physical damage, and ineligible vehicles.

  • Discuss coverages provided by a PAP regarding rental cars when rented as a temporary substitute vehicle, as a permissive user, or during vacation with regard to "You", a "Family Member", or as a PAP "Insured".
Refund Policy
The course must be completed within 90 days of the date of purchase. A full refund, less a $30 fee, will be given within one week of registration if you are not satisfied with the product. No refund after one week. If student desires, instead of refund, he/she will be allowed to transfer into a classroom course or online instructor led course at public price with credit for entire online cost (no $30 fee).

Click the Add to cart button below. After checking out through the secure check out link, your username and password will be immediately emailed to you. You can then begin your course at any point!

Continuing Education
Approved for 7 hours ce for California fire/casualty agent/brokers.

Cost: $39.00

Duration: 90 days


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