What endorsement should be added to a PAP if the insured wants coverage while driving a furnished car?

The appropriate endorsement to add to a Personal Auto Policy (PAP) for coverage while driving a furnished car is extended non-owned coverage. This endorsement is specifically designed to provide liability coverage when the insured operates a vehicle that is not owned by them but is furnished for their regular use. This scenario typically applies to situations such as driving a company car, which might not be owned by the insured but is provided for their work-related activities.

Having extended non-owned coverage ensures that the insured has liability protection even when using a vehicle that is not registered in their name, which is critical in mitigating potential liability claims arising from incidents that occur while driving such a vehicle. It's an essential part of coverage for individuals who may use a non-owned vehicle occasionally or regularly, thereby filling in the gaps that standard personal auto coverage may leave.

In contrast, other options such as PIP Coverage Enhancement or Business Use Extension do not specifically address the need for coverage on a furnished vehicle. PIP Coverage Enhancement usually pertains to the enhancement of personal injury protection coverage, while Business Use Extension extends coverage for vehicles used for business purposes under a personal auto policy but may not adequately cover the furnished vehicle scenario. Multiple Vehicles Coverage pertains to insuring multiple vehicles under a single policy rather than providing coverage