Some payments under the personal auto policy (PAP) are made to first parties without regard to negligence. Medical payments, PIP, and uninsured motorists coverage fall within these categories.

This course provides an introduction to the medical payments and uninsured motorists (UM) coverages of the standard Insurance Services Office, Inc. (ISO) personal auto policy (PAP). Underinsured motorists (UIM), no-fault insurance, and personal injury protection (PIP) coverage and their application are also discussed.

Upon completion, students will be able to:

• identify the coverage available under the medical payments insuring agreement
• identify exclusions that apply to medical payments coverage
• recognize how the limit of liability applies

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