Summary: ISO has printed many countrywide endorsements that can be used to modify the personal auto policy (PAP); this article leads off the pages dedicated to a discussion of the endorsements. Endorsements are meant to modify a standard coverage form to the extent that meets the requirements and wishes of both the insured and the insurer. Endorsements can expand the coverage offered by the standard form or delete some coverage; they can change the meaning of words and phrases that appear on the standard form; and they can offer coverages that supplement the basic coverages that appear on the standard form.

This article lists the main endorsements that are used to modify the personal auto policy. Some of the endorsements are described briefly while others are detailed with more information. Several endorsements are discussed more fully as separate articles following this introductory material.