A drive other car endorsement extends auto coverage to a named individual while that person uses certain vehicles the person does not own. In plain language, it is a business auto endorsement used to close personal-use gaps for someone who mainly drives a company car and may not have enough personal auto coverage following them.
Why the endorsement exists
A business auto policy is built around autos the business owns, hires, or uses in operations. Coverage problems can arise when an executive or employee:
- is furnished a company vehicle
- occasionally drives a rental or borrowed auto
- no longer keeps a personal auto policy that would normally follow the individual
The drive other car endorsement gives specified individuals broader status under the commercial auto program, subject to its wording.
What claims teams look at
Coverage depends heavily on definitions and exclusions. Adjusters commonly analyze:
- whether the driver is one of the named individuals in the endorsement
- whether the vehicle qualifies as a covered non-owned auto
- whether the loss involves liability only or another coverage part
- whether the vehicle was owned by or furnished for the regular use of the individual or household
Those details matter because many DOC endorsements are designed to fill narrow gaps, not create unlimited personal auto coverage.
Practical example
An executive drives a company car full time and has no separate personal auto policy. While on vacation, the executive rents a car and causes an accident. A drive other car endorsement on the employer’s business auto policy may provide liability coverage for that accident if the executive and rental vehicle fit the endorsement terms.
Related Terms
- Endorsement
- Business Auto Coverage Form
- Personal Auto Policy
- Nonowned Auto
- Named Non-Owner Policy
- Extended Non-Owner Liability