Which of the following is NOT an endorsement that can be added to BAP coverage?

• A. Medical payments
• B. Personal injury protection
• C. Uninsured/underinsured
• D. Comprehensive

Answer: (D)

In a Business Auto Policy, endorsements are add-ons that expand or modify how the coverage applies. Medical payments is an add-on that covers medical expenses for occupants. Uninsured/underinsured motorist coverage is another add-on that provides protection if the other driver isn’t adequately insured. Personal injury protection is a no-fault style coverage that can be added where the state allows it. Comprehensive, however, isn’t an add-on endorsement; it’s a physical damage coverage option that pays for non-collision damage to the insured vehicle. Since it’s a built-in coverage choice rather than an endorsement you attach to the policy, it’s the one that isn’t an endorsement.