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hi this is melissa the insurance exam queen and today were going to talk about the pap the personal auto policy so these are the parts of a pap uh person they they abbreviate personal auto policy as pap so do expect to see that in your studies um pap as a personal auto policy so theyre actually um a through f but they rarely have ever test on e or f but we will talk about those so part a is liability this is the coverage that is going to protect the other person so if you are driving your car and you crash into someone else and you cause them injuries you cause them damage part a liability is what pays out to them so liability is for the other people the other people in the car the other people that you hit their medical bills and their property damage will be covered under part a liability so liability is for other people part b is medical payments sometimes abbreviated as med pay and part b medical is for you its actually for the people its in your car its for you and your peopl