Which component is NOT one of the three major parts of a personal auto policy (PAP)?

The correct choice highlights that the definitions section is typically a part of the personal auto policy (PAP) but is not classified as one of the three major parts. Understanding the structure of a personal auto policy is crucial, as it is composed mainly of three essential components: the declarations page, the personal auto coverage form, and applicable endorsements.

The declarations page includes specific information about the insured, such as the policyholder's name, address, vehicle details, and coverage limits. This part serves as a summary of the insurance contract and provides an overview of the coverage.

The personal auto coverage form outlines the specifics of the auto insurance coverage, detailing what is covered, what is excluded, and the terms and conditions of the coverage. This is vital for understanding the protections offered by the policy.

Applicable endorsements modify the coverage provided by the original policy, adding or omitting specific aspects of coverage based on the insured's needs.

The definitions section, while important for clarifying terms used within the policy and ensuring that the language is understood, does not constitute one of the primary components of the policy itself. It serves more as a guide and reference for the reader rather than a foundational part of the insurance contract.