Louisiana P&C Adjuster Practice Exam

Which of the following coverages does not fall under the Drive Other Car endorsement?

1. Liability coverage

2. Medical payments

3. Comprehensive coverage

4. UN/UIM coverages

The correct answer is: Comprehensive coverage

The Drive Other Car endorsement is a provision in personal auto insurance policies that extends coverage to the named insured when they are driving a vehicle that is not owned by them. Understanding this coverage is crucial, as it designates what kinds of protection are available when operating non-owned vehicles. Comprehensive coverage is designed to protect against losses due to events other than collisions, such as theft, vandalism, or natural disasters. This type of coverage specifically applies to the insured vehicle, rather than to the insured person, meaning it does not extend to vehicles that the insured does not own. Since the Drive Other Car endorsement is focused on personal liability while using a vehicle not owned by the insured, it does not include comprehensive coverage, which is tied to the vehicle itself. In contrast, liability coverage, medical payments, and uninsured/underinsured motorist (UN/UIM) coverages typically extend to the insured individual regardless of whether they are driving their own vehicle or another person's vehicle. Thus, those coverages are applicable under the Drive Other Car endorsement, making comprehensive coverage the correct response for this question.