PP 00 01 Personal Auto Policy

An Insurance Services Office (ISO) standard form. Personal auto policy providing liability, medical payments, uninsured motorists and damage to your auto coverages, with duties after an accident or loss and general provisions, for the named insured, resident family members and covered autos.

1. 09 18 edition

   Sep 2018, compared with 01 05Latest edition

   • The public or livery conveyance exclusion now applies whenever an insured is logged into a transportation network platform as a driver, even with no passenger in the vehicle.

     01 05

     Not in this edition

     09 18

     “platform" as a driver, whether or not a passenger is "occupying" the vehicle”

   • The public or livery conveyance exclusion no longer applies to vehicles used for volunteer or charitable purposes.

     01 05

     Not in this edition

     09 18

     “while it is being used for volunteer or charitable purposes”

   • A new exclusion removes coverage for your covered auto while it is enrolled in a personal vehicle sharing program and used by someone other than you or a family member.

     01 05

     Not in this edition

     09 18

     “Enrolled in a personal vehicle sharing program under the terms of a written agreement”

   • The supplementary payment for loss of earnings while attending hearings or trials at the insurer's request rises from $200 to $250 a day.

     01 05

     “Up to $200 a day for loss of earnings”

     09 18

     Removed

2. 01 05 edition

   Jan 2005, compared with 06 98

   • Damage to your auto now covers electronic equipment that reproduces, receives or transmits audio, visual or data signals when it is permanently installed, replacing the separate sound equipment and telephone carve-backs.

     06 98

     Not in this edition

     01 05

     “This Exclusion (4.) does not apply to electronic equipment that is permanently installed in "your covered auto" or any "non-owned auto"”

   • The limit for damage to a non-owned auto that is a trailer rises from $500 to $1,500.

     06 98

     “Any "non-owned auto" which is a trailer is $500.”

     01 05

     “Any "non-owned auto" which is a trailer is $1500.”

   • Failure to meet the duties after an accident or loss now voids coverage only if the failure is prejudicial to the insurer, instead of requiring full compliance.

     06 98

     “unless there has been full compliance with the following duties”

     01 05

     “if the failure to comply with the following duties is prejudicial to us”

   • The uninsured motorists exclusion for settling without consent now applies only when the settlement prejudices the insurer's right to recover payment.

     06 98

     Not in this edition

     01 05

     “and such settlement prejudices our right to recover payment”

2 other edition dates appear in one or two filings each, often carrier-specific versions: 03 25, 06 94.

Where filings record what this form replaced, they name earlier editions 01 05, WM and other forms N/A, PP 70 02. Only some filings record replacements.

• Edition in use: in the past 12 months, 10 companies filed the 09 18 edition and 5 companies filed 01 05.
• PP 13 01 (Coverage for Damage to Your Auto Exclusion Endorsement) is filed alongside it most often, in 79 of the same filings (60%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• State Farm GroupFiles its own version: ORPAP1022 Personal Auto Policy (1 state)
• Allstate Insurance GroupFiles its own version: 1000 CT Personal Auto Policy (2 states)
• United Services Automobile Assn GroupFiles its own version: GA-POL-0224 Personal Auto Policy (1 state)

• PP 13 01Coverage for Damage to Your Auto Exclusion Endorsement79 filings
• PP 03 08Coverage for Damage to Your Auto (Maximum Limit of Liability)75 filings
• PP 03 09Single Liability Limit71 filings
• PP 03 13Excess Electronic Equipment Coverage67 filings
• PP 03 03Towing and Labor Costs Coverage66 filings
• PP 03 35Auto Loan/Lease Coverage66 filings
• PP 13 03Trust Endorsement65 filings
• PP 03 05Loss Payable Clause64 filings
• PP 03 06Extended Non- Owned Coverage - Vehicles Furnished or Available for Regular Use64 filings
• PP 03 18Excess Custom Equipment Coverage63 filings