What type of coverage applies when the extended non-owned coverage for a named individual is used?

The coverage that applies when the extended non-owned coverage for a named individual is used is liability coverage. This type of coverage is intended to provide protection to individuals who occasionally drive vehicles that they do not own but are insured under someone else's policy.

When a named individual uses this coverage, it helps protect them against claims arising from bodily injury or property damage to others while operating a non-owned vehicle. This means if that individual gets into an accident while driving a rented car, a friend's car, or a family member's vehicle, the extended non-owned coverage kicks in to provide liability protection.

This is particularly relevant because liability coverage is a fundamental component of auto insurance, ensuring that drivers are financially protected in case they cause harm to someone else or damage their property while driving. Therefore, it is crucial for individuals to have this coverage, especially if they frequently drive vehicles not registered in their name.