Who can be included under the Employee Endorsement in a PIP policy?

The Employee Endorsement in a Personal Injury Protection (PIP) policy is specifically designed to cover employees of the insured who may be driving a vehicle for work-related purposes, but who do not have their own vehicles. This endorsement extends coverage to employees to ensure that they are protected under the insured's auto policy while fulfilling their job responsibilities.

This is beneficial in a variety of scenarios, such as when an employee needs to take a company vehicle or a personal vehicle for business-related tasks. The focus on employees without their own vehicles highlights the intent behind the endorsement, which is to offer protection in situations where employees are reliant on the insured's vehicle for their job duties.

In contrast, the other options do not accurately define the scope of the Employee Endorsement. Broadening the coverage to any individual driving the insured vehicle, or including all relatives of the insured, would dilute the specific intent of the endorsement, which is aimed at protecting employees in the context of employment duties. Also, requiring employees to have their own insurance is inconsistent with the purpose of the endorsement, which aims to provide coverage even when their personal insurance may not apply.