Tag Archives: PAP

Big ‘I’ Virtual University Reminds Agents About ISO’s PAP Changes

The Big “I” Virtual University (VU) would like to remind members to review ISO’s personal auto policy changes. Effective Sept. 1, 2018, these changes—applicable in all states except Hawaii and North Carolina—have been adopted by most carriers and are critical for … Continue reading

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Ask Regina

Q. Our insured backed out of the driveway and hit his wife’s car. Both are insured on the same Texas TDI PAP and the adjuster is applying the collision deductible to each covered auto. Is this correct? A. Yes, if … Continue reading

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Ask Regina

Q. Does the PAP cover intra-family suits should a family member be injured in the insured’s vehicle in an at-fault accident? A. The TDI PAP limits recovery to any family member to the extent of the minimum limits of liability … Continue reading

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Ask Regina

Q. One of our insured’s ran into the corner of their house and caused damage to the house. Will their PAP cover the damage? A. It depends on whether or not they rent their house or own their house. The … Continue reading

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Ask Regina

Q. Our insured’s son has moved out of the house and took a car that is titled in his father’s name. The car is insured on a PAP with the father as the named insured. Does the son still have … Continue reading

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Ask Regina

Q. An insured’s wife, who is insured on a PAP, hit her husband’s company car that is insured on a BAP with her personal auto. He is the primary owner of the business but the car is titled in the … Continue reading

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Ask Regina: What Business Use Is Excluded in the PAP?

Q. Recently, an IIAT member contacted me about the following scenario. One of their insured’s was parked and his vehicle was hit by a van owned by a plumbing company. The plumbing company’s adjuster denied the claim because the van … Continue reading

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