Insure Yourself Instead of Your Cars
Under certain circumstances, it is more economical for drivers to purchase liability coverage on themselves, rather than on their cars. Broadform Named Operator Coverage provides just that.
You pay one low price whether you own one car or four cars. You don’t even have to call your agent when you buy, sell or trade cars, because no cars are listed on your policy.
Broadform Named Operator Coverage satisfies the State Insurance Requirement by covering bodily injury or property damage you cause to others while YOU are driving a car, whether you own it or not. It also covers drivers needing an SR22 filing!
HERE ARE SOME IMPORTANT THINGS TO KNOW AND UNDERSTAND BEFORE PURCHASING BROADFORM NAMED OPERATOR COVERAGE
You, and only you, are covered while driving a car you own or have permission to use.
You are not covered if you let someone else drive a car you own.
You are not covered while driving a motorcycle, motor home or motor scooters.
You are not covered when the motor vehicle is being used in any business or commercial occupation.
You are not covered when the motor vehicle is being driven in any racing, demolition or stunting contest or activity.
You are not covered for any physical damage that happens to a car you own or drive.
If another policy provides coverage on the car you are driving, Broadform Named Operator Coverage will be in excess of that coverage.