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The purpose of the miscellaneous type vehicle endorsement in personal auto policies is to extend insurance coverage to recreational vehicles, motor homes, motorcycles, motorized golf carts, and other miscellaneous vehicles that are not already covered under the policy.

What is miscellaneous type vehicle endorsement?

  • With miscellaneous type vehicle endorsement, the PAP is now able to cover a variety of vehicles, including motorcycles, ATVs, dune buggies, and mobile homes.
  • Miscellaneous type vehicle endorsement permits the use of non-owned vehicles provided as a "business car" for the insured. This endorsement provides coverage for costs paid in the case of a complete theft.
  • This recommendation is for those who drive even though they don't possess a car (rented, public transportation, company vehicle, etc.)
  • A camper body or travel trailer must have physical damage insurance.
  • The insured must keep a "permanent abode other than the recreational trailer" in order to qualify. Recreational trailers and camper bodies have the same comprehensive and collision rates as motor homes.

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