The PAP is excess over all other valid and collectible liability insurance on nonowned automobiles.

Name: The PAP is excess over all other valid and collectible liability insurance on nonowned automobiles.
Brand: Quizplus
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Question

Quizplus · Accepted Answer

The Personal Auto Policy (PAP) acts as excess insurance over any other valid and collectible liability insurance when the insured is driving a non-owned automobile. This means it only pays after the limits of the primary insurance (the vehicle owner's policy) have been exhausted.

The PAP Is Excess Over All Other Valid and Collectible