Chapter 8: Texas Personal Auto Policy Copy

Policy Construction

A Texas personal auto policy is essentially a complete and self-contained contract. The Texas PAP allows for additional forms that may be attached. Every Texas PAP in consist of the following parts:

• The declarations page
• The Texas personal auto policy form
• Any endorsements that apply

Policy Format

A Texas personal auto policy without endorsements has the following 10 parts:

• Declarations
• General agreement
• Definitions
• Part A – Liability coverage
• Part B 1 – Medical payments coverage
• Part B2 – Personal injury protection coverage
• Part C – Uninsured/underinsured motorist’s coverage
• Part D – Coverage for damage to your auto (comprehensive and/or collision)
• Part E – Duties after an accident or loss
• Part F – General provisions

The Texas PAP is a scheduled policy.

Coverage A, liability, may be written alone or with any of the others. Medical payments coverage, part B-1, is optional, but it may only be written if the policy includes liability. Uninsured motorist’s coverage, part C, may only be written along with liability. Either or both of the two-principal coverages under part D may be written alone or with liability.

Declarations

The declarations section of the Texas PAP identifies the insured, describes the automobiles insured, lists endorsements attached to the policy, and summarizes coverage’s, limits, and premiums. Other information items identify the insurer and agent, show the policy number, and state the policy period (which begins and ends at 12:01 A.M. standard time).

THE TEXAS PERSONAL AUTO POLICY BEGINS WITH THE INSURING AGREEMENT AND DEFINITIONS IMMEDIATELY AFTER THE DECLARATION PAGE.

General Agreement

This general agreement is simply a prelude to the forthcoming policy sections. Each coverage section has its own insuring agreement.