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Individual Named Insured End.

 Individual Named Insured Endorsement or Drive Other Car Insurance

This insurance is sometimes also called drive other car insurance. An individual named insured endorsement is insurance that protects individuals or sole proprietors who have all of the vehicles they use for personal or non-business use listed on their commercial auto policy and do not own a personal auto policy.

If you need to borrow, test drive, rent or lease a vehicle, an individual named insured endorsement may extend your primary auto liability insurance and any physical damage insurance that you have for your regular vehicle to cover you while driving the non-owned vehicle.

This insurance also can protect your spouse and relatives who live with you if they need to borrow, rent or lease a vehicle.

Who Need an Individual Named Insured Endorsement?

If you are an individual or sole proprietor and you have a vehicle on your policy that you use for personal or non-business use, you should choose an individual named insured endorsement.

This is insurance coverage that provides protection when you are driving a vehicle that you do not own. This insurance may also protect your spouse or relatives who live with you if they are driving a vehicle that you don’t own.

While personal auto insurance provides coverage for individuals, commercial auto insurance provides coverage for vehicles. This means that your commercial auto insurance only works when you’re driving a vehicle that’s listed on your commercial auto policy.

An individual named insured endorsement allows your insurance to continue to protect you if you ever need to drive a different vehicle that is not on your commercial auto policy.

Individual named insured endorsements are not available in all states or with all insurance companies.

Limits, Deductibles, and Other Details

The limits you select for your regular liability insurance will remain the same when applied to a non-owned vehicle.

The deductible you select for your regular physical damage insurance will remain the same when applied to a non-owned vehicle.

Individual Named Insured Endorsement Example

You rented a pickup truck to move furniture to your daughter’s new apartment. On your way there, the driver in front of you slams on his brakes. You swerve to avoid a collision and strike a mail box.

The mail box is completely destroyed. Plus, the truck you rented now has a dented front bumper.

Because you’re driving a pick-up that’s not listed on your policy, your commercial auto insurance normally wouldn’t cover the accident. Fortunately, you have an Individual Named Insured Endorsement, so your regular primary auto liability insurance and physical damage insurance now cover you and the rented truck.

The property damage liability component of your regular primary auto liability insurance would pay the $500 to replace the mail box.

The collision component of your regular physical damage insurance would pay the $1,000 to replace the truck’s front bumper after you pay the $500 deductible you selected.

Exceptions and Restrictions

The individual name insured endorsement is only available if you meet both of these requirements:

You are an individual or sole proprietor and you have a vehicle with a personal or non-business use listed on your commercial auto policy.

To be eligible for the individual named insured endorsement, the non-owned vehicle cannot be owned by you, your spouse or any resident of your household. It also cannot be a vehicle that is available to you for regular use.

Exceptions and restrictions may apply. This coverage is not available in all states or offered by all insurance companies.