Louisiana P&C Adjuster Practice Exam

Which endorsement provides coverage for a specific named individual driving a car they do not own?

1. Drive Other Car Endorsement

2. Non-Owned Auto Endorsement

3. Owner's Policy Endorsement

4. Commercial Auto Endorsement

The correct answer is: Drive Other Car Endorsement

The Drive Other Car Endorsement provides coverage specifically for an individual named in the endorsement who is driving a vehicle they do not own. This endorsement extends the liability coverage from the individual's personal auto policy to apply when they are operating a vehicle that is not theirs, ensuring that they have protection while using someone else's car. This is particularly useful for individuals who may occasionally drive vehicles owned by friends or family and want the assurance that they are covered in case an accident occurs. The coverage typically includes liability for bodily injury and property damage, protecting the individual against claims arising from their use of the non-owned vehicle. In contrast, other options do not mirror this specific coverage scenario. The Non-Owned Auto Endorsement typically applies in a different context, often providing coverage for vehicles that the insured does not own but are used for business purposes. Owner's Policy Endorsements generally pertain to policies that apply to vehicles owned by the insured. The Commercial Auto Endorsement is usually related to coverage for vehicles used for commercial purposes, not specifically addressing coverage for individuals driving cars they do not own.