Which type of coverage does the Personal Auto Policy (PAP) not provide?

The Personal Auto Policy (PAP) is designed to provide coverage primarily within the United States and its territories, including certain areas like Canada under specific conditions. However, the policy does not extend coverage into Mexico. This is a critical aspect for policyholders to understand, as driving across the border into Mexico typically requires separate, specialized insurance that adequately covers the different legal and liability requirements present there.

When individuals consider driving in Canada or various states across the U.S., their PAP generally maintains coverage as long as they adhere to the regional stipulations. In contrast, Mexico is explicitly excluded from the coverage, which underscores the need for separately obtained insurance if travel into Mexico is anticipated. Thus, the accurate understanding of coverage limitations helps prevent potential gaps in protection while traveling.