Which type of auto policy extends liability protection for driving a non-owned vehicle?

Study for the New York General Adjuster 10-70 Test. Prepare with flashcards and multiple choice questions, each with explanations. Ace your exam!

The correct answer is related to the type of policy that extends liability protection when an individual is driving a vehicle that they do not own, which is commonly associated with an employer's non-ownership policy. This type of policy provides coverage for employees or individuals using a non-owned vehicle for work-related purposes, thus ensuring that there is liability protection in case of an accident.

Employers typically implement this type of coverage to protect themselves from potential liabilities that arise when employees drive vehicles that they don't own while performing their job duties. Coverage under this policy includes liability for bodily injury or property damage that may occur while driving a non-owned vehicle.

While a personal auto policy does provide coverage but primarily for owned vehicles and typically extends coverage to non-owned vehicles, it does so under different conditions and may not specifically support business-related liabilities. The business auto policy, on the other hand, is intended primarily for vehicles owned by a business and may not cover non-owned vehicles unless included in specific terms.

The non-owned vehicle policy is a term that may be seen in certain contexts, but it generally is not a standard policy type and could lead to confusion. It lacks the comprehensive nature and specific intent of an employer's non-ownership policy, which is explicitly designed to address

Subscribe

Get the latest from Examzify

You can unsubscribe at any time. Read our privacy policy