The named non-owner endorsement may provide which types of coverage?

The named non-owner endorsement is designed to extend coverage to individuals who do not own a vehicle but occasionally drive cars that they do not own, such as rentals or borrowed vehicles. This endorsement typically provides liability coverage, medical payments, and uninsured motorist coverage.

Liability coverage protects the insured from damages to other people or their property when the insured is at fault in an accident while driving a non-owned vehicle. Medical payments coverage offers benefits for medical expenses incurred by the insured or passengers in the event of an accident, regardless of fault. Uninsured motorist coverage provides protection when the insured is involved in an accident with a driver who does not have insurance or when they are involved in a hit-and-run situation.

This combination of coverages ensures that a named non-owner has adequate protection while operating vehicles that they do not own, which is particularly valuable for individuals who frequently borrow cars or use rental services.