Which geographic location is NOT covered under the Personal Auto Policy (PAP)?

The Personal Auto Policy (PAP) typically provides coverage for vehicles when they are used within the United States and Canada, along with Puerto Rico in some instances. However, coverage does not extend to Mexico. This is because Mexico has different insurance requirements and regulations that fall outside the purview of policies issued in the U.S. As such, when driving in Mexico, a U.S. driver would need to purchase a separate insurance policy that complies with Mexican laws to ensure proper coverage. This distinction is essential for anyone considering driving in Mexico, as relying on a PAP for coverage in that country would lead to significant gaps in protection.