What is an endorsement in a Personal Auto Policy?

An endorsement in a Personal Auto Policy is a document that modifies the terms of the insurance policy. This means that it can add, change, or exclude specific coverages based on the policyholder's needs or circumstances. For example, if a policyholder wants to add additional coverage for a rental car while traveling or to include coverage for a newly acquired vehicle, an endorsement can be used to amend the existing policy accordingly.

Endorsements ensure that the insurance policy accurately reflects the policyholder's current situation and provides the appropriate level of coverage. They are typically essential for customizing a policy beyond the standard provisions included in the original form, allowing for more personalized protection.

This understanding does not encompass definitions that pertain to types of vehicles, premium discounts, or state documents, which describe different aspects of insurance rather than the modifying nature of an endorsement.