Family Protection Endorsement

What Does Family Protection Endorsement Mean?

A family protection endorsement is an optional addition to an auto insurance policy that offers coverage for losses incurred by the insured’s family members due to an accident with an underinsured or uninsured driver. This endorsement requires payment of an additional premium on top of a standard auto insurance policy. Driving without coverage remains a real problem in much of the country, and the latest uninsured motorist statistics show how often at-fault drivers in a crash have no insurance at all.

Insuranceopedia Explains Family Protection Endorsement

Even with a comprehensive insurance policy that offers extensive coverage, the insured cannot know in advance the amount of insurance the at-fault party carries. If the at-fault driver has gaps in their coverage or lacks insurance entirely, the insured may end up responsible for more costs than expected. Drivers who do carry auto insurance often buy only the state minimum, which is why many people ask whether liability car insurance is enough to cover serious injuries when a family member is hurt in an accident. Although it is illegal to drive without auto insurance, not everyone abides by this law. Family protection endorsements help guard against such unforeseen losses. Coverage options and pricing for this kind of endorsement vary between insurers, so it pays to compare quotes from the best car insurance companies before adding it to a policy.