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What Is Drive Other Car Coverage?
Car insurance is important for more than just your personal vehicle or company car. If you borrow, test drive, rent or lease a vehicle for professional reasons, adding the Drive Other Car (DOC) endorsement to your policy can help extend your:
- Seguro contra terceros
- Uninsured/underinsured motorists insurance
- Physical damage insurance
Sometimes this DOC auto coverage is called CA 99 10, and it usually covers your business’ executive officers and their spouses if they drive vehicles that aren’t on el seguro comercial para automóviles policy. For example, a DOC endorsement would help cover your company’s president while they’re driving an automobile, like a rental car or corporate van, for their job.
How Does DOC Insurance Work?
Your Drive Other Car coverage extends auto policies like:- Cobertura de gastos médicos
- Seguro de responsabilidad por daño a la propiedad
- Uninsured motorist bodily injury
This means your DOC insurance coverage can have the same limits and deductibles as the policies it is extending. So, if your medical payments coverage for auto has a limit of $5,000, that would apply to cars you don’t own through your DOC endorsement.
This coverage doesn’t apply if an individual or one of their family members is driving a commercial vehicle for personal use. It only covers professional use. This endorsement does include physical damage coverage to help protect cars you don’t own if you get into a collision, which can be a big benefit when it comes time to pay the auto repair shop’s bill.
Am I Covered To Drive Another Car?
With DOC insurance, you will be covered if you drive another car for business purposes.
Who Needs DOC Auto Insurance?
If your executive officers or their spouses drive cars for your business that aren’t on your policy, you’ll want this insurance. Drive Other Car endorsements can help pay for medical payments and uninsured motorists' coverage in the case of an accident in a non-owned car.
For instance, if you own a construction business and your company truck breaks down and requires auto repairs, you’ll want to rent another vehicle while it’s being fixed. A DOC endorsement can help extend your insurance protection to help pay for it.
However, not every company needs this insurance. Whether or not you do depends on the:
- Number of employees that drive for your company
- Types of vehicles on your business’ auto policy
- Size of your operation
Auto insurers typically require you to meet certain requirements to be eligible for DOC insurance. For instance, your commercial auto policy needs to list your car with a personal or non-business use.
We know DOC insurance can be confusing. At The Hartford, we have a team of specialists who can talk you through the coverage and tell you exactly what you need for the cars you drive. Llámenos al 855-829-1683 to get answers to your questions.
Última actualización: 5 de junio de 2023
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