Drive Other Car
An endorsement providing personal auto coverage for named individuals who do not own a personal vehicle but drive non-owned cars.
What It Is
The Drive Other Car (DOC) endorsement, typically ISO form CA 99 10, is added to a commercial auto policy to provide personal auto-like coverage for a specific named individual (usually a business owner or executive) who does not own a personal vehicle. It covers the individual when driving vehicles they do not own for personal use—such as a spouse's car, a friend's car, or a rental vehicle used for vacation.
The DOC endorsement provides liability coverage, and optionally medical payments, uninsured/underinsured motorist, and physical damage coverage when the named individual drives a non-owned vehicle for personal purposes. This effectively replaces a personal auto policy for individuals who have given up personal vehicle ownership because the company provides their vehicle.
The endorsement names a specific person and typically also covers that person's spouse and household family members. It does not extend to all employees—only the specifically named individual(s).
Why It Matters for Brokers
Business owners and executives who drive company cars often cancel their personal auto insurance, not realizing they have no coverage when driving any non-owned vehicle for personal use. The DOC endorsement fills this gap inexpensively. Brokers who fail to offer the DOC endorsement to owners and executives with company vehicles expose those individuals to significant personal liability and miss an opportunity to demonstrate comprehensive service.
Real-World Example
A business owner drives a company-owned BMW X5 and cancelled his personal auto policy to save $2,400/year. While driving his wife's Toyota Camry to dinner, he causes a $240,000 accident. His wife's personal auto policy provides liability, but only up to her $100,000 limit. Without the DOC endorsement, the owner personally owes $140,000. With a DOC endorsement (annual cost approximately $175-350), the commercial auto policy would have provided $1M in excess liability coverage for the personal use of the non-owned vehicle.
Common Mistakes
- 1Forgetting to offer the DOC endorsement to business owners and executives who drive company vehicles and have cancelled personal auto policies.
- 2Not naming all relevant individuals (owner, spouse, partners) on the endorsement, leaving household members without coverage.
- 3Assuming the company's commercial auto policy automatically provides personal-use coverage for owners driving non-owned vehicles—it does not without the DOC endorsement.
How brokerageaudit.com Handles This
brokerageaudit.com's Submission Intake includes a specific question about whether any principals or executives use company vehicles as their sole vehicle and have cancelled personal auto policies. If yes, the Policy Checker flags the account for DOC endorsement review and verifies that the endorsement names the correct individuals.