Consumers who don't own autos can insure their exposure while using nonowned vehicles by purchasing a Personal Auto Policy with the Named Nonowner endorsement attached. The most notable missing coverage, though, is physical damage coverage. Recently, the question was raised as to whether this endorsement, like the PAP, automatically extends physical damage coverage for a limited period to acquired autos. If you want to witness an insurance nerd free-for-all that would put Survivor to shame, read the VU faculty debate on this issue.
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