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this conference will now be recorded all right there we go all right so personal auto coverage uh welcome welcome welcome um again donamp;#39;t be scared to jump in if you do have a question all right so personal auto policy i mean in a lot of your online training or whatever you did your your required hours from um or required course they call it personal auto policy um on the test you might see it as a pap um to throw you off theyamp;#39;ll call it an iso pap or iso personal auto policy on the test and the iso is insurance services offices well the iso is where all the insurance companies get their policy forms from you know they have their attorneys kind of maybe change some of the language some of the conditions and then they file it with the department of insurance to use that policy form and so an iso pap is just the same as a pap okay they just put iso in front of it to make you think that thereamp;#39;s some other new policy out there that you didnamp;#39;t study and there
