A family protection endorsement is a non-mandatory auto insurance option designed to provide protection for losses to the insured's family members by a driver who is underinsured or does not have car insurance. An additional premium must be paid for this endorsement to a standard auto insurance policy.
Even if the insured has a comprehensive insurance policy that offers a wide range of coverage, it is impossible to know in advance the amount of insurance the at-fault party may have. If they have gaps in their insurance coverage or lack insurance altogether, then the insured may find themself responsible for more costs than anticipated. Though it is illegal to drive without auto insurance, that doesn't mean everyone obeys the law. Family protection endorsements protect against these types of unanticipated losses.
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