Florida Insurance Claims Adjuster License Practice Exam

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Joe wants to make sure the Liability coverage under his PAP covers him while driving his company car. What coverage would you add to Joe's PAP?

A. Named Non-owned coverage
B. Extended Non-owned Liability coverage
C. Drive Away Liability coverage
D. False Pretense coverage

The correct answer is: B. Extended Non-owned Liability coverage

Adding Extended Non-owned Liability coverage to Joe's PAP would ensure that he is covered while driving his company car. This coverage extends the liability protection of the policy to vehicles that are not owned by Joe but are used for his personal use. Option A, Named Non-owned coverage, only covers vehicles that are specifically named on the policy. Option C, Drive Away Liability coverage, only covers damage to the vehicle being driven and not liability for bodily injury or property damage. Option D, False Pretense coverage, only covers situations where Joe is tricked into giving up his car, not while driving his company car. Therefore, B is the most appropriate coverage to add.