Insuring Personal Auto Exposures - Classroom

Introduction to the Personal Auto Policy

How to determine if a client, and their automobiles, are eligible for a ISO Personal Auto Policy (PAP) by exploring ownerships, types of eligible vehicles, and eligible vehicle usage.

Personal Auto Policy Definitions and Liability Coverage

Examine the Personal Auto Policy to identify "who is an insured," what is a "covered auto," and how coverage applies to a "Newly Acquired Auto."

Medical Payments and/or Personal Injury Protection

Though exploration of Part B - Medical Payments Coverage or Personal Injury Protection (in required States) you will utilize the Insuring Agreement and the definition of "insured" to understand who is entitled to receive coverage and what these coverage parts provide.

Uninsured and/or Underinsured Motorists Coverage

Who is an "insured" and what is an "Uninsured Motor Vehicle," how states differ in their definitions of "Underinsured Motor Vehicle" (a coverage trigger), and how much a client will receive (the coverage offset).

Coverage for Damage to Your Auto

How to explain "Collision" and Other Than "Collision" coverage to clients, how coverage is provided to their owned autos and "non owned autos," Part - D coverage exclusions, and endorsements to close various gaps in coverage.

Coverage for a Rented Vehicle

Learn about the exposures created by renting a vehicle and the coverage provided by the ISO Personal Auto Policy so that you may confidently explain coverage gaps as well as other coverage options.