Personal Vehicle Sharing Program Exclusion Endorsement (PP 23 16). New exception wording specifically states that the exclusion does not apply when the vehicle is being used for volunteer or charitable purposes. ISO also addressed concerns that the public or livery conveyance exclusion might be misapplied when a vehicle is used for volunteer or charitable purposes, such as Meals on Wheels or volunteer medical transportation. This exclusionary wording is now included in the base PAP language. Prior to 2018, when a carrier wanted to specifically exclude any activities or exposures arising from the use of a covered vehicle as part of a transportation network platform such as Uber or Lyft, it attached the public or livery conveyance exclusion endorsement (PP 23 40), which ended coverage when the transportation network platform app was turned on and the vehicle was made available for use. ISO increased the coverage amount to $250 per day for loss of earnings to attend hearings from the prior limit of $200 per day. ISO’s new PAP form wording requires the insured to notify the insurance carrier of any newly acquired vehicle-whether it’s an additional vehicle or a replacement vehicle-within 14 days of acquisition.
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