Drive Other Car Insurance

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What Is Drive Other Car Insurance?

Car insurance is important for more than just your personal vehicle or company owned vehicle. If you borrow, test drive, rent or lease a vehicle, adding the Drive Other Car (DOC) endorsement to your policy can help extend your:
 
  • Liability insurance
  • Uninsured/underinsured motorists insurance
  • Physical damage insurance
Sometimes this DOC auto coverage is called CA 99 10, and it usually covers your business’ executive officers and their spouses if they drive vehicles that aren’t on your commercial auto insurance policy. For example, a DOC endorsement would help cover your company’s president while they’re driving an automobile, like a rental car or corporate van, for their job. 
 

How Does Drive Other Car Coverage Work?

Your Drive Other Car coverage extends auto policies like: 
 
This means your DOC insurance coverage can have the same limits and deductibles as the policies it is extending. So, if your medical payments coverage for auto has a limit of $5,000, that would apply to cars you don’t own through your DOC endorsement.
 
This coverage doesn’t apply if an individual or their spouse is driving a business auto for personal use. But it does help protect cars you don’t own that have physical damage, which can be a big benefit when it comes time to pay the automotive repair shop’s bill.
 

Who Needs DOC Auto Insurance?

Doc Insurance If your executive officers or their spouses drive cars for your business that aren’t on your policy, you’ll want this insurance. Drive Other Car endorsements can help pay for legal fees and car repairs if accidents happen in a non-owned car.
 
For instance, if you own a construction business and your company truck breaks down and requires auto repairs, you’ll want to rent another vehicle while it’s being fixed. A DOC endorsement can help extend your insurance protection to help pay for it.  
 
However, not every company needs this insurance. Whether or not you do depends on the:
 
  • Number of employees that drive for your company
  • Types of vehicles on your business’ auto policy
  • Size of your operation
Auto insurers typically require you to meet certain requirements to be eligible for DOC insurance. For instance, your commercial auto policy needs to list your car with a personal or non-business use.
 
We know DOC insurance can be confusing. At The Hartford, we have a team of specialists who can talk you through the coverage and tell you exactly what you need for the cars you drive. Call us at 855-829-1683 to get answers to your questions.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
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