When a new auto is added, which coverages apply automatically to that auto under PAP?

• A. The broadest coverage for liability, medical payments, PIP, and UM that PAP provides for any vehicle in declarations
• B. Only liability and collision coverages
• C. No coverage until notification is given to the insurer
• D. Only medical payments coverage

Answer: (A)

When a new auto is added, the Personal Auto Policy automatically extends the same broad protections that already apply to any vehicle listed in the policy’s declarations. This means the new car receives liability, medical payments, PIP (if your state requires it), and uninsured/underinsured motorist coverage at the same limits that you have for your other insured autos. The idea is to avoid any gap in protection for a newly acquired vehicle, so you don’t have to wait or rush to update the policy for those coverages. If you also want physical damage protection (collision and comprehensive) on the new car, that can extend in the same way as it does for your other autos, provided you already carry those coverages on some vehicle in the policy.