What coverages are provided in the personal automobile policy? As with the homeowner's policy, the personal automobile policy (PAP) is a comprehensive policy, because it includes several types of coverages bundled into a single package. The PAP has six parts. Organize the six components into their proper sequence and complete the associated statements where applicable. Part Policy Component Coverage Provided This pays for bodily injury and/or property damage caused by for which you B This pays for accident-related expenses for up to years after the accident-provided that those expenses do not exceed the policy's limit. This coverage is designed to protect policyholders, including the named insured and his or her family, when they are negligently injured by D This part in the PAP provides two types of optional protection: coverage and coverage. E F One way to reduce your insurance premium is to your deductible. collision. This part of the PAP protects the Comprehensive coverage pays to repair damage to an insured's vehicle caused by perils vehicle but normally does not cover Read each of the following situations and determine if each is covered by the standard protections provided by the PAP. Situation Covered Not Covered 1. Rina decided to save money by reducing the amount of liability coverage provided by her policy. She carries only the state-minimum required coverage but had an accident that is expected to cost three times that limit. Will her policy cover the additional costs of the accident? O 2. Sean carries $10,000 per person in medical payments coverage and was struck by a car while walking down the street with four friends. Can he seek reimbursement for his medical expenses under his PAP? 3. While driving drunk, Musashi struck two pedestrians and damaged two cars. He was charged with several criminal offenses. Will his PAP pay for his defense against these charges? O 4. While shopping for Christmas, Yvette placed several bags of presents in the trunk and then went back into the mall. Five minutes after she walked away from the car, thieves broke into the trunk and stole the presents. Will her PAP pay to replace the presents? O