This endorsement CA 99 17 is added to a Business Auto Policy when the named insured is an individual and at least one covered auto is a private passenger type auto.

• A. True
• B. False
• C. Only when there are multiple private passenger autos
• D. Only if there are commercial autos

Answer: (A)

The key idea is that CA 99 17 is used to extend a Business Auto Policy to cover private passenger autos when the named insured is an individual. If an individual owns or operates a private passenger car for business use, the standard BAP can leave that vehicle without coverage under the business policy. Adding this endorsement ensures that the private passenger auto becomes a covered auto under the BAP, applying the policy’s liability, medical payments, and other coverages to that vehicle. The trigger is explicitly that the named insured is an individual and at least one covered auto is a private passenger type, so the endorsement is appropriate in that situation.