Cars are expensive, and more and more people are co-signing loans for others or buying vehicles together with another person. This is all well and good for relatives living in the same household, but if relatives don't live in the same household, or unrelated people living together buy a car together, the standard auto policy will not provide coverage for both. That's where the Joint Ownership Coverage comes in. It is designed for relatives not living in the household together or unrelated individuals living in the same household who share the title to a vehicle. The vehicle must be scheduled on the form, and the standard auto coverages apply except for liability for the ownership, use or maintenance or any vehicle other than the covered auto by a nonresident relative or family member of a nonresident relative. This coverage can be added by simply indicating it on the endorsement form.

Ride-sharing has become incredibly popular, with many people driving for Uber and Lyft for extra money or even as their full time job. When the Transportation Network Companies (TNC) first came on the scene, there were some insurance issues that many drivers weren't immediately aware of. One was the standard exclusion for using the vehicle for a public conveyance. This removes coverage anytime the driver is looking to find a passenger to take somewhere using the TNC platform. As ride-sharing grew, an exclusion was specifically added that removed coverage when a driver was  using the TNC platform to find passengers or transport passengers to their final destination. While the TNC companies provided coverage once the driver had picked up the passenger, there was a gap in coverage when the driver had logged into the TNC, but had not yet picked up a passenger.

Therefore the Transportation Network Driver Coverage (Without Passenger) form was developed. This endorsement provides coverage during that gap period, when the driver is logged onto the platform but has not yet picked up a passenger. As usual the vehicle must be listed on the form and the coverages desired must be selected; liability, medical payments, collision, etc. Coverage applies only for the vehicle listed in the form, and for the coverages for which a premium shows. It is very important to be sure the endorsement is filled out correctly.

There is a host of other endorsements that can be added to auto policies, and many vary by state. But these forms are particularly important to know about, as they provide excellent coverage that you may not have been aware you needed.