Summary: To be eligible for a personal auto policy, the applicant must either own or lease a private passenger automobile. Anyone who does not own, but might occasionally borrow or use an auto still needs personal auto coverage for the maintenance or use of such nonowned autos. This coverage is available by attaching the named nonowner coverage endorsement (PP 03 22 09 18) to a personal auto policy. Under the rules of Insurance Services Office (ISO), the endorsement may be used to schedule liability, medical payments, other than collision, collision, uninsured, and underinsured motorists insurance for the individual, or the individual and family members indicated in the endorsement.
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