The coverage that provides Liability, Medical Payments and Uninsured Motorist for a named individual who does not own an automobile is?

The coverage that provides Liability, Medical Payments and Uninsured Motorist for a named individual who does not own an automobile is?

• A. Extended Non Owned
• B. Driver Other Car
• C. Named Non Owned
• D. Extended PIP

Answer: (C)

Named Non Owned coverage protects a person who does not own a vehicle but may drive one. It attaches to the named insured rather than to a specific car, so when that person operates a non-owned auto, the policy can respond with liability, medical payments, and uninsured motorist coverage, within the policy’s terms. This makes it the right choice for someone who doesn’t own an automobile but still needs protection while driving others’ cars or rental vehicles. The other options either focus mainly on liability for non-owned vehicles with limited or no medical payments or UM, or they apply primarily to coverage for driving other cars without the broader trio of protections. That’s why Named Non Owned is the best fit for providing liability, medical payments, and uninsured motorist coverage to a non-owner named individual.

Named Non Owned coverage protects a person who does not own a vehicle but may drive one. It attaches to the named insured rather than to a specific car, so when that person operates a non-owned auto, the policy can respond with liability, medical payments, and uninsured motorist coverage, within the policy’s terms. This makes it the right choice for someone who doesn’t own an automobile but still needs protection while driving others’ cars or rental vehicles.

The other options either focus mainly on liability for non-owned vehicles with limited or no medical payments or UM, or they apply primarily to coverage for driving other cars without the broader trio of protections. That’s why Named Non Owned is the best fit for providing liability, medical payments, and uninsured motorist coverage to a non-owner named individual.