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 vehicles they use for personal or non-business use, as listed on their commercial policy.
If you need to borrow, test drive, rent or lease a vehicle, an Individual Named Insured Endorsement will extend your 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 Needs 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 a free insurance coverage that provides protection when you are driving a vehicle that you do not own. This insurance also will 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. Please see the State-Specific Details section to learn more.
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 react quickly, but you can't stop in time and your truck rear-ends the other car.
The car's back end is pretty damaged, and the other driver has a sprained wrist. Plus, the truck you rented now has a dented front bumper.
Because you're driving a car 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 Liability insurance and Physical Damage insurance now cover you and the rented truck.
The Bodily Injury component of your regular Liability insurance would pay the other driver's $1,500 medical bill wrist X-rays.
The Property Damage component of your regular Liability insurance would pay the $1,000 to repair the car's back end.
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.
For more information about the specific insurance coverages described above, please see the Liability insurance and Physical Damage insurance sections. You can learn about limits and deductibles, find out what these insurance coverages protect, and determine if these coverages are a good fit for you.
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 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 to the Liability insurance and Physical Damage insurance impacted by the Individual Named Insured Endorsement. Please visit these insurance coverage sections directly to learn more.