Which are the three parts of a Personal Auto Policy (PAP)?

• A. Declarations Page, Personal Auto Coverage Form, Endorsements
• B. Declarations Page, Medical Payments Form, Endorsements
• C. Policy Summary, Declarations Page, Endorsements
• D. Declarations Page, Property Coverage Form, Endorsements

Answer: (A)

The three parts that make up a Personal Auto Policy are the Declarations Page, the Personal Auto Coverage Form, and Endorsements. The Declarations Page lists who is insured, the vehicles covered, coverage limits, deductibles, premium, and policy dates. The Personal Auto Coverage Form contains the actual policy language about what is covered and the specific coverages offered (such as liability, medical payments, uninsured/underinsured motorist, and physical damage), along with definitions and exclusions. Endorsements are add-ons or changes that tailor the policy to the insured’s needs, like adding a vehicle or adjusting limits. The other options don’t fit because medical payments is a coverage within the form, not its own form; a policy summary isn’t a standard policy component; and a property coverage form is used for property insurance, not auto.