Question

When an Additional PIP Endorsement is added to the Personal Auto Policy, what do we know about the policy?

1) UM coverage
2) Named Non-owned Endorsement
3) Extended PIP Endorsement
4) None of the above apply

Answer 1

Adding an Additional PIP Endorsement to a Personal Auto Policy extends the PIP coverage, but does not directly inform us about UM coverage or the presence of a Named Non-owned Endorsement. Extended PIP Endorsement is the relevant topic in the context of PIP coverage enhancements.

Step-by-step explanation:

When an Additional PIP Endorsement is added to the Personal Auto Policy, this typically indicates that the policy now includes an extension of the Personal Injury Protection (PIP) coverage. This endorsement can provide broader protection by increasing the limits of coverage, expanding the types of covered expenses, or by extending coverage to additional persons, such as family members who may not be named on the policy. It's important to understand that PIP coverage is distinct from Uninsured Motorist (UM) coverage, which protects against the risk of an accident with a driver who does not have sufficient insurance. The Additional PIP Endorsement is not necessarily related to a Named Non-owned Endorsement, which extends coverage for vehicles that the named insured does not own, nor does the existence of an Extended PIP Endorsement alone inform us about the presence of UM coverage on the policy. Therefore, of the provided options, Extended PIP Endorsement is the most relevant to the subject of additional PIP coverage in a personal auto policy.