What is the primary purpose of a Personal Auto Policy?

The primary purpose of a Personal Auto Policy (PAP) is to provide coverage for personal vehicles. This type of policy is designed for individuals and families to protect against various risks associated with the ownership and operation of personal cars, including liability for bodily injury and property damage to others, as well as coverage for damages to the insured's own vehicle caused by collisions, theft, and other hazards. The PAP includes essential components such as liability coverage, medical payments, and uninsured/underinsured motorist protection, ensuring comprehensive coverage for everyday driving situations.

Other options pertain to specific vehicles or purposes that fall outside the scope of a standard personal auto policy. Commercial vehicles, classic cars, and motorcycles typically require specialized insurance products tailored to their unique risks and usage scenarios. Thus, while personal vehicles are covered under a Personal Auto Policy, the other options do not align with the primary focus of this type of insurance.