Policy territory: without endorsements, the ISO PAP applies to accidents in the United States, its territories and possessions, Puerto Rico and Canada, plus transport of the auto between their ports. A car damaged on a ship between two U.S. ports is inside the territory. Mexico is outside it unless an endorsement adds limited coverage.

Car pools vs. for-hire use: the PAP excludes use of a vehicle as a public or livery conveyance, but it makes an exception for a share-the-expense car pool. Coworkers who split gas and parking are sharing costs, so they are covered. A neighbor who drives strangers to the airport for a fare he sets is selling rides, which is for-hire use. The question is not whether money changes hands, but whether it shares costs or buys a ride.

Shared rides under the 2018 form: ISO's 2018 PAP says the public or livery conveyance exclusion applies any time a person is logged into a transportation network platform as a driver, whether or not a passenger is in the vehicle. The share-the-expense car pool and volunteer or charitable use are excepted. In California, Public Utilities Code §5433(d) adds that TNC insurance does not depend on a personal auto policy first denying a claim. (TNC requirements are on the TNC page.)