What endorsement is required to add coverage for a motorcycle to a Personal Auto Policy (PAP)?

To add coverage for a motorcycle to a Personal Auto Policy (PAP), the Miscellaneous Type Vehicle Endorsement is necessary. This endorsement allows for the inclusion of coverage for vehicles that do not fit the standard classification of personal vehicles covered under a typical PAP, such as motorcycles, trailers, or similar vehicles.

Choosing this endorsement is essential because standard personal auto policies do not automatically cover motorcycles due to their unique risks and different types of usage compared to regular automobiles. Thus, the Miscellaneous Type Vehicle Endorsement specifically addresses and accommodates these vehicles within the existing auto policy framework.

Other options might reference different types of coverage, but they do not specifically serve the purpose of adding motorcycle coverage to a PAP. Understanding the endorsement’s role is key to ensuring that motorcycle owners have the necessary coverage for liability and other risks associated with motorcycle operation.