Endorsements Used With Personal Auto Policy

Summary: ISO has printed many countrywide endorsements that can be used to modify the personal auto policy (PAP). 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 reviews some of the endorsements that are used to modify the personal auto policy (2018 edition). Some of the endorsements are described briefly while others are detailed with more information. Several endorsements (extended non-owned coverage, for example) are discussed more fully as separate articles following this introductory material.