What it does
An executive who drives only a company car often has no personal auto policy, so when he or she borrows or rents another car there is no coverage. CA 99 10 (drive other car, or DOC) fixes this for the individuals named in its schedule, and only for coverages showing a premium:
ISO's 2026 multistate forms revision (CA-2026-OFR26) introduces a 09 27 edition of this form, approved for policies effective on or after September 1, 2027 in states where it has been adopted; the prior edition remains in use until then and in states that have not adopted the revision.
- Liability: any auto the named insured does not own, hire or borrow is a covered auto while used by a scheduled individual or his or her resident spouse, and they become insureds for it.
- Medical payments and UM/UIM: the individual and family members are insureds while occupying, or struck as pedestrians by, any auto the named insured does not own.
- Physical damage: a private passenger auto the named insured does not own, hire or borrow is covered while in the care, custody or control of the individual or resident spouse.
Autos owned by the individual or a household member, and autos used while working in a business of selling, servicing, repairing or parking autos, are excluded. "Family member" is defined in the endorsement.
Who needs it
Owners and executives of closely held businesses who drive company-owned cars and have dropped personal auto insurance.
