What coverage does the extended nonowned coverage endorsement in a PAP broaden?

The extended nonowned coverage endorsement is designed to broaden the coverage provided by a Personal Auto Insurance Policy (PAP) to include liability and medical payments when driving vehicles that are not owned by the insured.

This endorsement is particularly useful for individuals who frequently use rental cars or borrow vehicles from friends or family. It enhances the policy by ensuring that if the insured is involved in an accident while driving a nonowned vehicle, there is liability coverage for damages they may cause to third parties, as well as medical payments for injuries sustained by themselves or passengers.

By adding this endorsement, the policyholder gains additional peace of mind knowing they are protected in a wider range of driving scenarios beyond just their owned vehicle. This contrasts with the other options, which either limit coverage to specific damage types or do not align with the scope of the endorsement.