The Pooled Auto Physical Damage (APD) Program is a mature pool which began on September 1, 1988. Because of the maturity of the pool and the adequate funding over the years, the interest earned covers the costs of claims and administrative expenses. The VCJPA only charges members for new vehicles added to the district's fleets which exceed their baseline number set for that district. The baseline number is determined by using data from the 1992/1993 and subsequent years. The PAPDP covers the district's vehicles up to a maximum of $35,000 per vehicle, unless otherwise declared. The deductible is $500 per accident, per vehicle.

The graph below outlines the various levels of coverage provided through the VCJPA APD Program.