What it does
MM 99 22 is the Massachusetts drive other car endorsement, the counterpart of the multistate CA 99 10. It extends coverage to individuals named in the schedule while they drive autos the named insured does not own, hire or borrow. CAR's manual (Rule 26) refers to the Rate Section for additional charges and directs: "Use Drive Other Car Coverage Endorsement MM 99 22." It adds that drive other car coverage includes the spouse at no additional charge.
Who needs it
Owners, officers and key employees in Massachusetts who drive company-furnished vehicles and do not have their own personal auto policy.
Key points
- Where the named insured is an individual with a private passenger auto, CAR provides drive other car coverage at no additional charge through the Individual Named Insured endorsement CA 99 17.
- For an individual named insured auto dealer, the spouse receives drive other car coverage at no additional charge.
Quoting notes
List each individual, check the endorsement's exclusions for autos owned by or furnished to the individual's household, and confirm those vehicles are insured elsewhere.
