Who is eligible for coverage under a personal auto policy (PAP)?

Coverage under a personal auto policy (PAP) extends primarily to individuals named in the policy, which includes the primary insured. However, it also encompasses family members who live in the same household and those who have permission from the owner to use the vehicle. This means that if a family member or a friend is given permission to drive the insured vehicle, they would typically be covered under the PAP.

This feature is designed to ensure that the insured is protected even when they may not be behind the wheel, providing flexibility in coverage while maintaining the focus on individuals within the household or authorized users. It is crucial to understand that this permission aspect is fundamental in determining who is eligible for coverage, making this option the most comprehensive and correct regarding the question.