ISO SPECIAL PERSONAL AUTO POLICY ENDORSEMENTS

(November 2023)

Protection under the Special Personal Auto Policy (SPAP) is designed to meet the coverage needs of most persons who are written under that form.

Modifications to the basic policy are required in order to provide customized coverage according to an individual’s particular needs. ISO has a variety of endorsements. Most of these optional forms are designed for consumers whose coverage needs are not met by the basic SPAP contract; the forms typically require additional premium. ISO uses a system to number its forms: two letters followed by a four-digit form number, then the form’s edition month and year.

Note: The various endorsements are presented in order of Insurance Services Office’s form numbers.

PP 03 01—Federal Employees Using Autos in Government Business

This form allows an insured who is a federal employee to be covered under a SPAP, with the important exception of when an auto is used on behalf of his or her government duties.

PP 03 03—Towing and Labor Costs Coverage

This endorsement pays up to the amount shown in its schedule or in the policy declarations for towing and labor costs when a covered (owned or nonowned) auto is disabled. Covered labor costs just include those incurred at the point of disablement. In other words, no coverage is provided for work performed at a garage or any other location.

PP 03 05—Loss Payable Clause

This form is used to attach information on financial interests that exist for the covered autos.

PP 03 07—Trailer/Camper Body Coverage (Maximum Limit Of Liability)

This endorsement pays for loss to any described trailer or camper body as well as to awnings, and cabanas or other equipment which is attached to a covered auto and are designed to create additional living facilities. The schedule was substantially expanded so that it can describe up to three vehicles and can show whether an insured has selected Collision or Other Than Collision coverage and the accompanying premiums for each vehicle.

The form specifically excludes loss to business or office equipment, sales samples or property used in exhibitions. It also excludes damage to clothing or luggage. Any loss payment is less any applicable deductible shown in the Schedule or Declarations. This endorsement should not be confused with PP 03 18–Customizing Equipment endorsement described below.

Related Article: PP 03 07–Trailer/Camper Body Coverage

PP 03 08—Coverage For Damage To Your Auto

Endorsement PP 03 08 amends Part D of the Special Personal Auto Policy in order to provide coverage to a described vehicle on a stated amount basis. The company's limit is the least of the stated amount shown, actual cash value or the repair or replacement cost; subject to the applicable deductible. New language reminds the agent and customer that the stated amount represents the maximum amount that may be received as a result of a total loss. It does not represent a guaranteed amount.

PP 03 09—Single Liability Limits

Endorsement PP 03 09 is available to convert the split limits liability coverage of a Special Personal Auto Policy to a combined single limit basis.

PP 03 10—Change Endorsement

This form is designed to properly attach any other optional coverage to a SPAP when the endorsement is added after the policy has been issued.

PP 03 11—Underinsured Motorists

PP 03 15—Full Safety Glass Coverage

Endorsement PP 03 15 provides coverage for repairing glass in covered autos without application of a deductible. Cars are only eligible when “other than collision” coverage also applies.

PP 03 18—Customizing Equipment

Endorsement PP 03 18 provides coverage for customizing equipment on pickups and vans that is excluded from Part D–Damage to Your Auto of the Special Personal Auto Policy. Instead of rating according to a stated amount, coverage is available only on an actual cash value basis. The endorsement protects furnishings that are now commonly installed in vans and trucks such as thick carpeting and insulation, beds, bars, sinks, cabinets, water heaters and other items. External custom features which are eligible for coverage include hand paintings, decals and height-extending roofs. The same coverage and deductible extend from the covered vehicle.

PP 03 19—Additional Insured–Lessor

This endorsement allows you to add the insurable interest for a lessor onto a SPAP that protects a leased automobile. Coverage may be added on either a single or split liability limit basis and actual cash value minus the deductible for Collision and Other Than Collision losses.

PP 03 20—Snowmobile Endorsement

Endorsement PP 03 20 is available for scheduling coverage for snowmobiles, and it offers an option to exclude the Passenger Hazard.

PP 03 21—Limited Mexico Coverage

Endorsement PP 03 21 extends all Liability, Medical Payments, Uninsured Motorists, Damage to Your Auto, and any no-fault coverage afforded to a covered person, to accidents occurring in Mexico within 25 miles of the United States border, while the covered person is on a trip of 10 days or less.

PP 03 23—Miscellaneous Type Vehicles

Related Article: PP 03 23–Miscellaneous Type Vehicle

PP 03 24—Participating Coverage For Damage to Your Auto

Use of this endorsement amends the SPAP physical damage deductibles on described vehicles to 25% of the vehicle value indicated on the schedule. The percentage deductibles are subject a $500 maximum and a minimum of $100 for Other Than Collision and $200 for Collision.

PP 03 25—Full Windshield Coverage

This form provides coverage for windshields without application of a deductible. Cars are only eligible when “other than collision” coverage also applies.

PP 03 26—Liability Coverage Exclusion Endorsement

Use of this endorsement amends the SPAP to exclude coverage for bodily injury suffered by a named insured or any family member when injured by a “covered vehicle.”

PP 03 28—Miscellaneous Type Vehicle Amendment (Motor Homes)

Expands the types of vehicles covered by the applicable, amended SPAP.

PP 03 34—Joint Ownership

This form allows relatives other than husband and wife (regardless of residency) or unrelated, resident individuals who jointly own private passenger vehicles to be insured as joint owners and thus be eligible for full coverage under the Special Personal Auto Policy. Siblings who own a car, nontraditional households, roommates and separated spouses are all situations where this endorsement is appropriate. It includes an option to eliminate the form's exclusion of non-owned auto liability by marking the form schedule's applicable checkbox.

PP 03 35—Auto Loan/Lease Coverage

Endorsement PP 03 35 is a coverage that should be discussed with all insureds who finance or lease an auto. Traditional car loan/lease periods are lengthening from an average of 36 to 60 months and beyond. An auto’s value may depreciate more quickly than the customer's loan balance. Thus, in a total loss, the insured may receive an actual cash value payment that is less than the loan amount. This form addresses such a protection gap. The coverage will not pay any excessive use payments for leased vehicles, costs for warranties, other loan add-ons, late fees or overdue lease or loan payments.

PP 03 43—Coverage For Damage To Your Auto Loss Settlement Amendment

This endorsement amends a policy so that any physical damage settlement takes a covered vehicle’s existing damage from a previous, settled loss into consideration.

PP 03 55—Coverage For Sound Receiving And Transmitting Equipment

Endorsement PP 03 55 extends the auto policy’s coverage to CB radios, phones, two-way radios, scanners and their accessories.

PP 03 96—Extended Non-Owned Coverage For Named Individual (Auto Business) Schedule

Endorsement PP 03 96 amends a policy so that it provides liability and medical payments coverage to a named person for that person’s use of a non-owned vehicle. It is intended for individuals with non-owned vehicle exposure that is connected to an auto business.

PP 04 01—Single Uninsured Motorists Limits

This form allows an insured to convert the limits of insurance that is provided for uninsured motorists coverage from the (default) split limit of liability to a single limit basis.

PP 04 02—Single Underinsured Motorists Limits

This form allows an insured to convert the limits of insurance that is provided for underinsured motorists coverage from the (default) split limit of liability to a single limit basis.

PP 13 01—Coverage For Damage To Your Auto Exclusion

PP 13 03—Trust Endorsement

This form addresses situations where a trust owns a vehicle. It includes a schedule for listing the applicable trust and its trustees and it alters the base policy so that the named trust is given status as a covered person under the SPAP. It also changes the notification provision so that a notice of either a policy cancellation or non-renewal is sent to the trustee.

PP 13 06—Custom Equipment Exclusion Endorsement

This form is used to expand the SPAP’s coverage for custom equipment by providing a maximum of $1,500 for custom items typically installed by owners of recreational vehicles (such as vans). The limit applies to property such as carpeting, awning, furniture, roof height extenders and a variety of customized, decorative gear/equipment.

PP 13 16—Low Speed Vehicle Endorsement

This form is used to expand the SPAP’s coverage for certain, low speed vehicles that are described in the endorsement’s schedule. Coverage only applies for the selected coverages for which a premium appears.

PP 23 16—Personal Vehicle Sharing Program Exclusion Endorsement

This form specifically excludes coverage for any vehicle used in any form of vehicle sharing program that involves a written contract. An exception is made for vehicle use by the named insured or any family member.

PP 23 40-Public or Livery Conveyance Exclusion Endorsement

This form is meant to clarify the coverage intent of the SPAP by adding wording that specifically bars coverage for losses that occur while an auto is used under a ride-hailing program. The exclusion is effective as soon as the ride-hailing application is activated. The form adds a new definition, “transportation network platform.”

PP 23 41-Transportation Network Driver Coverage (No Passenger)

This form modifies the SPAP and adds a new definition, “transportation network platform.” The modification results in providing liability, medical payments and physical damage coverage for losses that occur while a vehicle is logged onto a “transportation network platform.” Coverage continues after the transportation request is accepted but ends when that passenger occupies the vehicle and isn’t restored under that passenger is out of the vehicle. The form includes a schedule with space to enter a described vehicle, desired coverages, limits and premiums.

PP 23 45-Limited Transportation Network Driver Coverage (No Passenger)

This form modifies the SPAP and adds a new definition, “transportation network platform.” The modification results in providing liability, medical payments and physical damage coverage for losses that occur while a vehicle is logged onto a “transportation network platform.” Coverage ends when a request for transportation has been accepted and isn’t restored until the passenger is out of the vehicle. The form includes a schedule with space to enter a described vehicle, desired coverages, limits and premiums.

PP 93 09—Special Personal Auto Policy Single Liability Limits

This form is available to convert the split limits liability coverage of a Special Personal Auto Policy to a combined single limit basis.

PP 93 11—Special Personal Auto Policy Underinsured Motorists Coverage

PP 93 18—Special Personal Auto Policy Customizing Equipment Coverage

This endorsement’s use extends the SPAP to cover custom auto features such as custom carpets, insulation, furnishings, roof extenders, custom painting/graphics and additional equipment (such as chromed elements, etc). The applicable vehicle or vehicles must be described on the form’s schedule (information on vehicle and the custom features). The form modifies the SPAP by eliminating Exclusion 10. under Part D – Coverage For Damage To Your Auto.

PP 93 59—Special Personal Auto Policy Insert

This form advises the insured that the SPAP is a contract and it is structured to facilitate that it be read and referenced.

PP 94 01—Special Personal Auto Policy Single Uninsured Motorists Limits

This form allows an insured to convert the limits of insurance that are provided for uninsured motorists coverage from the (default) split limit of liability to a single limit basis.

PP 94 02—Special Personal Auto Policy Single Underinsured Motorists Limits

This form allows an insured to convert the limits of insurance that are provided for underinsured motorists coverage from the (default) split limit of liability to a single limit basis.