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

In the context of auto insurance and specifically regarding the Driver Other Car (DOC) coverage, this coverage is designed to provide protection when a policyholder is driving a car that is not owned by them. When the policy includes DOC coverage, it follows the insured individual rather than being tied strictly to a specific vehicle.

This means that if a policyholder drives someone else's car, the DOC coverage extends to them, ensuring that they have liability coverage that applies while using that vehicle. This is particularly important for individuals who may occasionally drive cars that they do not own, offering them a layer of protection under their insurance policy.

The other options do not accurately reflect the function of DOC coverage. For instance, nullifying all other coverage would imply that there is no protection, which contradicts the primary purpose of the DOC feature. Limiting liability to personal vehicles only does not align with the nature of DOC, which aims to extend coverage beyond just the personal vehicles owned by the policyholder. Covering only the car being driven mischaracterizes the coverage as well, as DOC is specifically designed to protect the driver rather than the vehicle itself.