is defined as a motor vehicle which includes autos, pickup trucks, vans, motorcycles, and recreational vehicles (RVs) that are not used for public transportation nor rented to others.
Commercial vehicles are motor vehicles used or maintained for the transportation of persons for hire, compensation, or profit, or designated, used, or maintained primarily for the transportation of property. Passenger vehicles and house cars that are not used for the transportation of persons for hire, compensation, or profit are not commercial vehicles. Any vanpool vehicle is not a commercial vehicle.
There is three sections, the declaration, a general agreement, and the definition section. The declarations page personalizes the policy, the general agreement serves as a preface to the policy and makes the insurer's obligations contingent on the insured's payment of the premium. The definition section defines certain terms commonly used in the PAP. The test sometimes states that the ISO PAP contains 8 parts: declaration, definitions, You and Your means the names insured and the spouse, Bodily injury, property damage, business includes any trade, profession, and occupation, Occupying, Trailer.
Part A: Liability Coverage
Part B: Medical Payments Coverage
Bart c: Uninsured Motorist Coverage
Part D: Coverage for damage to your auto
Part E: Duties after accident or loss
Part F: General Provisions
The difference between the per person/per accident limit in a split limit policy and a single limit of insurance has to do with how the coverage applies in a claims situation.
Split limit: coverage is divided into 2 sections and can only be used as schedule. In the example of 15/30/5 it means the most the policy will pay is 15,000$ per person for BI/ 30,000$ for ALL BI per accident/ 5,000$ for all PD per accident. This means the per accident limit applies only to bodily injury and property damage.
Single Limit: coverage is a lump sum ( a single sum) which can be used for any or all BI and PD, in any one claim. Example: $35,000 single limit can apply to one person, all persons bodily injury, property damage alone, or any combination of these. This is more flexible, not usually available, and more expensive than split limits.