Drive Other Car Coverage (DOC) is an insurance coverage that provides protection to the policyholder or their designated driver when operating a vehicle that is not owned or leased by the driver. It is typically included in commercial auto insurance policies. This coverage is also known as Hired Auto or Non-Owned Auto coverage. It provides coverage for physical injuries and property damage caused by the designated driver as well as legal liability for the driver’s actions. It also covers the policyholder’s legal expenses in the event of a lawsuit. In some cases, the policyholder may be able to purchase additional coverage for rental cars.
What Does Drive Other Car Coverage Mean?
Drive Other Car Coverage is an endorsement to a commercial auto insurance policy that provides coverage for bodily injury and property damage caused by the designated driver when operating a non-owned or non-leased vehicle. This coverage also provides legal liability for the named insured’s actions. It is important to note that this coverage is not available for personal auto insurance policies. This coverage is not available for rental cars, but some policies may offer additional coverage for rental cars.
Who Needs Drive Other Car Coverage?
Drive Other Car Coverage is most often purchased by businesses that require their employees to use their own vehicles for business purposes. This includes businesses such as delivery services, salespeople, chauffeurs, and others. This coverage is also purchased by those who need to rent cars on a regular basis. The coverage is important to protect against potential losses that could arise if the policyholder or their designated driver is involved in an accident while operating a non-owned or non-leased vehicle.
What is Covered By Drive Other Car Coverage?
Drive Other Car Coverage provides coverage for bodily injury and property damage caused by the designated driver when operating a non-owned or non-leased vehicle. This coverage also covers the policyholder’s legal expenses in the event of a lawsuit. In some cases, the policyholder may be able to purchase additional coverage for rental cars.
What is Not Covered By Drive Other Car Coverage?
Drive Other Car Coverage does not cover the following: damage to the non-owned vehicle; damage to property owned by the designated driver; personal injury to the designated driver; and any costs associated with renting a vehicle. Additionally, this coverage does not provide coverage for any intentional or criminal acts committed by the designated driver.
How Much Does Drive Other Car Coverage Cost?
The cost of Drive Other Car Coverage will depend on the policyholder’s particular circumstances and the type of coverage purchased. Generally, the cost of this coverage is lower than the cost of a personal auto insurance policy, as the policyholder is only responsible for the cost of the additional coverage, and not for the entire policy. Additionally, some businesses may be able to get discounts on their Drive Other Car Coverage if they purchase it as part of a package.
What Are the Benefits of Drive Other Car Coverage?
The main benefit of Drive Other Car Coverage is that it provides additional protection to the policyholder or their designated driver when operating a non-owned or non-leased vehicle. This coverage also covers the policyholder’s legal expenses in the event of a lawsuit. Additionally, some businesses may be able to get discounts on their Drive Other Car Coverage if they purchase it as part of a package. This coverage is important for businesses that require their employees to use their own vehicles for business purposes, as it provides additional protection in the event of an accident.
Conclusion
Drive Other Car Coverage is an important coverage for businesses that require their employees to use their own vehicles for business purposes. This coverage provides additional protection to the policyholder or their designated driver when operating a non-owned or non-leased vehicle. It also covers the policyholder’s legal expenses in the event of a lawsuit. Additionally, some businesses may be able to get discounts on their Drive Other Car Coverage if they purchase it as part of a package. It is important to discuss your particular needs with your insurance provider to determine if Drive Other Car Coverage is the right solution for you.
