Which endorsement allows the insured to include personal car coverage under the Business Auto Policy (BAP)?

Get ready for the Louisiana Insurance Adjuster Exam with flashcards and multiple choice questions. Each question offers hints and explanations. Pass your exam with confidence!

The Individual Named Insured endorsement is specifically designed to extend coverage under a Business Auto Policy (BAP) to include personal vehicles used by the insured. This endorsement recognizes that the insured may utilize their personal vehicles for business purposes and provides necessary coverage for those vehicles within the scope of the Business Auto Policy.

When the Individual Named Insured endorsement is applied, it allows personal car coverage to be included seamlessly, ensuring that the insured has the appropriate protection for personal vehicles when they are engaged in business activities. This is essential for individuals who might use their personal vehicles for work-related tasks, providing them with comprehensive coverage that aligns with their dual use of the vehicles.

The other options do not provide the same level of integration for personal vehicles under a BAP. The Additional Insured endorsement generally adds coverage for other parties rather than expanding the insured's own coverage. The Commercial Auto endorsement typically pertains to commercial vehicles rather than personal use, while the Symbol 1 endorsement primarily refers to coverage for any auto, which may not address the specific need to include personal car coverage under the BAP.

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