The business auto, truckers, and garage policies can be arranged to include coverage for hired or borrowed automobiles. Although other persons are also considered as insureds while using such autos with the permission of the named insured, they are not covered for the use of autos that they themselves may hire or borrow on their own.

For example, an officer of a corporation insured under a business auto coverage form will have no insurance under the policy while using an auto that he borrows for his personal affairs, even if the policy covers hired or borrowed cars. The reason is that the business auto policy covers persons other than the named insured for the use of covered autos owned, hired, or borrowed by the named insured. The same is true of the garage policy and the truckers policy.

These provisions are especially likely to pose problems when the named insured furnishes a covered auto to some person who has no other auto insurance, perhaps an executive officer or his family members, a sales representative, or some other employee of the named insured. Because the person may well qualify as an insured under the employer’s policy with respect to the furnished auto, it might be wrongly assumed that the person will also be an insured for the use of other autos. As discussed above, that is not the case.

Liability, medical payments, uninsured motorists, or physical damage coverages of a business auto, truckers, or garage policy can be extended by endorsement to provide coverage to the individual named in the endorsement. Note that the endorsement can only be used to extend coverage; unless the named insured’s policy carries collision coverage, for example, that coverage cannot be provided in the endorsement.

As for liability insurance, the endorsement provides that any auto not owned, hired, or borrowed by the named insured is a covered auto while being used by the individual named in the endorsement or by his or her resident spouse. The definition of "auto" follows that of the business auto and truckers policies: "a land motor vehicle, trailer or semitrailer designed for travel on public roads but not mobile equipment."

The endorsement does not provide liability coverage for resident relatives other than the individual’s spouse. If coverage is desired for a resident relative other than the spouse, the relative must be named in the endorsement. Although the endorsement excludes the use of autos owned by the individual or any member of his household, there is no exclusion of an auto furnished or available for the regular use of such persons, as in the personal auto policy.

The endorsement does have the usual exclusion found on auto policies of any auto used by the individual while working in an auto business "the selling, servicing, repairing, or parking of autos".

As for the medical payments and uninsured motorists coverages, the endorsement grants insured status to:

The individual named in the endorsement.
The individual’s spouse if residing in the same household.
Resident family members.

The coverage applies while occupying any auto not owned by the named insured or, while pedestrians, when struck by an auto. As in drive other car liability coverage, there is an exclusion of any auto owned by the individual, his or her spouse, or any family member of either.

If physical damage coverage is provided through the "Drive Other Car" endorsement, it applies to private passenger types in the care, custody, or control of the individual that are not owned by the named insured, the individual, or a family member of the individual. It also applies to private passenger autos that are not used by the individual or his or her spouse while working in an auto business.

In all cases, the drive other car coverage includes coverage for the spouse for no additional charge.