What is the purpose of a Non-Owner endorsement in a Personal Auto Policy?

The purpose of a Non-Owner endorsement in a Personal Auto Policy is to provide liability coverage for individuals who do not own a vehicle but frequently operate vehicles that they do not own, such as rental cars or vehicles borrowed from others. This endorsement is particularly useful for individuals who may rely on rental cars or borrowed vehicles, ensuring they have the necessary liability coverage in case they are involved in an accident while driving those vehicles. This endorsement helps protect the policyholder from potential legal and financial consequences stemming from accidents that occur in vehicles they do not own, aligning with their needs as a non-owner driver.

The other options refer to different coverages or policy features that are not associated with the Non-Owner endorsement. For instance, covering personal injury relates to medical payments or personal injury protection, which are separate from liability considerations. Adding comprehensive coverage pertains to protecting against damage to one's owned vehicle, which does not apply when discussing non-owner scenarios. Adjusting premiums based on driver history is an underwriting practice relevant to the pricing of auto insurance policies but does not specifically relate to the Non-Owner endorsement.