Drive Other Car Coverage CA 99 10 is typically used to provide non-owned coverage for which scenario?

• A. A corporate officer or key employee who is provided a company car but does not own a personal auto and does not have a Personal Auto Policy
• B. A family who shares a personal vehicle
• C. A company-owned fleet with a Personal Auto Policy
• D. A rental car company only

Answer: (A)

Drive Other Car coverage extends the insured’s liability protection to a car they do not own when they are driving it with permission. It’s especially useful for individuals who don’t own a personal auto or have no Personal Auto Policy but still need protection when driving a vehicle provided by someone else—such as a corporate officer who gets a company car but has no personal auto policy.

In this scenario, the corporate officer or key employee uses a company-provided car but does not own a personal auto and lacks a PAP. The endorsement fills the gap by covering the insured for liability if they are at fault while driving that non-owned vehicle. It isn’t intended for a family sharing a personal vehicle, nor for a company-managed fleet that already has proper commercial coverage, nor for operations of a rental car company.