When a policyholder drives another car, what does the DOC coverage do?

The correct answer indicates that the Drive Other Car (DOC) coverage is designed to extend coverage to a policyholder when they are driving a vehicle that is not listed on their personal auto insurance policy. Specifically, DOC coverage allows the policyholder to have the same liability protection while driving another vehicle, whether it is owned by someone else or a rental. It’s important to note that this coverage does not nullify existing coverage or limit protection only to personal vehicles, but rather complements the liability insurance that follows the insured individual.

This understanding is crucial for ensuring that drivers have appropriate coverage, especially when they find themselves in a situation where they are driving a car that is not their own. This aspect of DOC coverage emphasizes the policyholder’s identity as the main insured party rather than the specific vehicle.