Optional Coverage Endorsements

Subject Endorsement Name Description or Use State Endorsement Number
Additional Insured Fewer vehicles than drivers Names lessor as an additional insured. IA, MN, SD, WI PP 03 19
Additional Party Named on Policy Designated Insured Names a person or organization that is included as an “insured” for liability coverages; no additional coverage is provided by attaching this form; it’s purpose is to list the party and provide them documentation. IA, MN, SD, WI WN PP 30
Electronic Equipment & Media Excess Electronic Equipment Coverage After factory installation of speakers or sound systems and navigation and internet systems; and / or $200 coverage for tapes, records, disks, other media. IA, MN, SD, WI WN PP 30
Gap Coverage Auto Loan / Lease Coverage Coverage if loan or lease balance is greater than the value of the vehicle; coverage must be added within 30 days of leasing or financing a vehicle. IA, MN, SD, WI WN PP 30
Glass Full Safety Glass Coverage No deductible for glass coverage. MN
IA, SD, WI		 PP 03 15
WN PP 43
Government Business Usage Federal Employees Using Autos In Government Business Limits who is considered an insured under Part A when a vehicle is used in government business (e.g., rural mail carrier). IA, MN, SD, WI PP 03 01
Joint Ownership Joint Ownership Coverage Provides coverage for a non-resident vehicle owner that is not a named insured on the policy covering the vehicle. IA
MN
SD
WI		 PP 13 26
PP 23 21
PP 03 34
PP 23 35
New Vehicle Replacement New Vehicle Replacement Cost Coverage Modifies loss settlement to replacement cost for new vehicles; vehicle must be less than two years old; less than 24,000 miles; value less than $70,000; must request coverage within 30 days of vehicle purchase or upon issue of new business if replacing a policy that included the coverage. IA, MN, SD, WI WN PP 31
Non-Owned Vehicle Extended Non-Owned Coverage – Vehicles Furnished Or Available For Regular Use Provides liability and medical coverage for insured and family members when operating non-owned autos. IA, MN, SD, WI PP 03 06
Rental Reimbursement Optional Limits Transportation Expenses Coverage $30 / $900 included; increased limits of $40 / $1200 and $50 / $1500 are available while vehicle is out of service due to a covered loss. IA, MN, SD, WI PP 03 02
Roadside Assistance Highway Emergency Loss Protection This coverage is available for full coverage vehicles only.
HELP (“HighwayEmergency Loss Protection”) limits included:
$60 per day / $1,500 maximum for Temporary Transportation Expenses (previously referred to as Rental Reimbursement)
$150 for Roadside Assistance
$750 for Trip Interruption coverage
Airbag Replacement.
 IA, MN, SD, WI WN PP 27
Roadside Assistance Coverage This coverage is available for liability only vehicles on policies that also have full coverage vehicles with the HELP endorsement.
Roadside Assistance coverage, limited to $150 for flat tire, gas needed, jump start battery, lock out service, and towing. 		IA, MN, SD, WI WN PP 27
Stated Amount OTC Coverage Coverage For Damage To Your Auto (Maximum Limit Of Liability) Covers older vehicles for ACV on comprehensive coverage only. IA, MN, SD, WI PP 03 08
Towing Towing And Labor Costs Coverage Pays for labor costs when a policyholder’s vehicle is disabled. Available limits include $25, $50, $75, $100, $150, $200, and $250; available only for vehicles with Liability and Other Than Collision coverages. IA, MN, SD, WI PP 03 03
Trip Interruption Trip Interruption Coverage Lodging and food expenses covered up to $600. IA, MN, SD, WI PP 13 02
Trust Trust Endorsement To be added when an owned vehicle is in the name of a trust rather than an individual. IA, MN, SD, WI PP 13 03
7/1/2016