Which of the following best describes the coverage provided by the Individual Named Insured Endorsement?

The Individual Named Insured Endorsement is designed to extend the coverage of a personal auto policy specifically to family members who may not be listed as insured drivers. This endorsement expands the scope of protection under the policy to include family members driving vehicles owned by the named insured, thereby offering added security and peace of mind.

By including family members, the endorsement ensures that they are protected while using the insured vehicle, which is especially important for households where multiple individuals may drive the vehicle. This type of coverage is tailored for personal use, aligning with the intent of personal auto insurance, which primarily covers individual use rather than commercial activities.

The other options do not accurately reflect the primary function of the Individual Named Insured Endorsement. Coverage for business-related accidents, comprehensive protection for rental vehicles, or exclusions for commercial vehicle accidents are not the primary focus of this endorsement. Thus, affirming that it specifically offers personal auto policy protection to family members highlights its core purpose effectively.