Insurance is an industry that is regulated by state departments for each individual state. QuoteClickInsure.com is not licensed in any state, as our website merely provides general information that can be found in many personal auto policies. The information provided on our site is not intended to be professional advice, as you can only obtain that from an insurance agent who is licensed in your particular state.
The car insurance information on our site is a general interpretation of current auto insurance forms available from the ISO or Insurance Services Office. It's very important to understand that each state may have laws that can change the wording in your individual policy, and by doing so change the coverage provided by your policy. It's also important to note that not every insurance company uses the ISO PAP form.
If there is ever a question as to whether your policy provides coverage, you should contact the company, not the agent, that issued the policy and have them make a determination whether coverage applies to your situation.