The Individual Named Insured endorsement, is used to modify the business auto, truckers, nondealer garage, and motor carrier coverage policies.

The endorsement gives named insured status to the named insured’s spouse if residing in the same household as the named insured. Consequently, the spouse will have the same protection under the policy as the named insured. Note that even in the absence of the individual named insured endorsement the spouse would be covered while using a covered auto with the named insured’s permission. By being included as a named insured under the endorsement, the spouse does not need the named insured’s permission in order to be insured while driving a covered auto.

Consequently, the spouse has liability coverage for the use of cars that he or she borrows or hires from others so long as they qualify as covered autos under the policy.

Another feature of the endorsement is what the endorsement terms "personal auto coverage." If the named insured is an individual, the endorsement approximates the "drive other car" protection built into the regular personal auto policy. This portion of the endorsement is particularly desirable when all family cars are insured under the named insured’s business auto policy and the family has no personal auto policy to cover their "drive other car" exposure. Personal auto coverage applies only when there is an owned auto of the private passenger type insured under the named insured’s policy. Private passenger type is defined in the endorsement to include pickup trucks and vans not used for business purposes other than farming or ranching. If, for example, the named insured’s policy only covered a pickup truck used in business, personal auto coverage would not apply.

If personal auto coverage does apply, the endorsement makes family members insureds for any auto the named insured owns of the private passenger type. The endorsement also makes family members insureds for any other auto that is described in the following paragraph.

The other feature of personal auto coverage is covered auto status for any auto not owned by the named insured while being used by the named insured or any family member, subject to four exclusions in addition to those of the auto coverage form. The coverage does not apply to:

 
1. A car owned by any family member.
2. Any auto furnished or available for the regular use of the named insured or any family member.
3. Any auto used by the named insured or any family member while working in a business of selling, servicing, repairing, or parking autos.
4. Any auto other than one of the private passenger type while used in any other business or occupation.

Hence, the personal auto coverage on the endorsement provides "drive other car" liability insurance to both the named insured and family members, even if the named insured’s coverage form does not otherwise provide hired autos coverage. Note, however, that the exclusions listed above would necessitate separate hired autos coverage for various exposures, such as long-term rentals, use of hired or borrowed trucks in business, and use of any type of auto in an auto business.

The "Individual Named Insured" endorsement used for dealers does not include personal auto coverage. If a dealer wants "drive other car" liability coverage for family members in addition to his spouse, it can be arranged under the dealer’s policy only through the "Drive Other Car" endorsement.