Florida Insurance Claims Adjuster License Practice Exam

Which of the following is covered under PAP liability?

1. Intentional damage

2. Permissive use of insured's automobile

3. Damage to property owned by the insured

4. Injury to an employee in the course of employment

The correct answer is: Permissive use of insured's automobile

PAP liability coverage, also known as personal automobile liability insurance, covers bodily injury or property damage caused by the insured's use of their vehicle. Option A, intentional damage, would not be covered as it involves deliberate actions by the insured. Option C, damage to property owned by the insured, would also not be covered as the insured would be responsible for their own property. Option D, injury to an employee in the course of employment, would be covered under workers' compensation insurance, not PAP liability. Option B, permissive use of insured's automobile, refers to the insured giving permission for someone else to use their vehicle and covers any damages or injuries caused by that person while driving the insured's vehicle. This is why option B is the correct answer for which is covered under PAP liability.