Family Protection Endorsement
What Does Family Protection Endorsement Mean?
A family protection endorsement is an optional addition to an auto insurance policy that offers coverage for losses incurred by the insured’s family members due to an accident with an underinsured or uninsured driver. This endorsement requires payment of an additional premium on top of a standard auto insurance policy.
Insuranceopedia Explains Family Protection Endorsement
Even with a comprehensive insurance policy that offers extensive coverage, the insured cannot know in advance the amount of insurance the at-fault party carries. If the at-fault driver has gaps in their coverage or lacks insurance entirely, the insured may end up responsible for more costs than expected. Although it is illegal to drive without auto insurance, not everyone abides by this law. Family protection endorsements help guard against such unforeseen losses.
