PP 03 22 Named Non-Owner Coverage

An Insurance Services Office (ISO) standard form. It provides personal auto coverage for a named individual who does not own a car, and optionally family members, covering liability, medical payments, uninsured and underinsured motorists, and optional physical damage to non-owned autos.

1. 09 18 edition

   Sep 2018, compared with 01 05Latest edition

   • Optional collision and other than collision coverage is added for autos you do not own while you or a family member is using them.

     01 05

     Not in this edition

     09 18

     “We will pay for direct and accidental loss to any "non-owned auto"”

   • Transportation expenses after loss to a non-owned auto are paid up to $900, with loss of use limited to $30 per day.

     01 05

     Not in this edition

     09 18

     “up to a maximum of $900”

   • Physical damage coverage for a non-owned auto is excess over the owner's coverage and any other source of recovery.

     01 05

     Not in this edition

     09 18

     “shall be excess over any other collectible source of recovery”

2. 01 05 edition

   Jan 2005, compared with 06 98

   • The coverage can now extend to the named individual's family members, not only the named individual.

     06 98

     Not in this edition

     01 05

     “Named Non-Owner Coverage applies only to”

   • Liability and medical payments now exclude vehicles furnished or available for your regular use, unless the schedule says that exclusion does not apply.

     06 98

     Not in this edition

     01 05

     “is furnished or available for your regular use”

   • Underinsured motorists coverage can now be provided.

     06 98

     Not in this edition

     01 05

     “V. Underinsured Motorists Coverage”

2 other edition dates appear in one or two filings each, often carrier-specific versions: 11 10, 07 09.

Where filings record what this form replaced, they name other forms PP 73 22. Only some filings record replacements.

• Edition in use: in the past 12 months, 7 companies filed the 06 98 edition and 1 company filed 09 18.
• The newer 09 18 edition first appears Jan 4, 2022 and has been filed by 9 companies in 11 states so far.
• PP 03 08 (Coverage for Damage to Your Auto) is filed alongside it most often, in 38 of the same filings (62%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Jun 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• State Farm GroupFiles its own version: 2050D Named Non-Owner Coverage (3 states)
• Allstate Insurance GroupFiles its own version: 02133 Named Non-Owner Coverage (16 states)
• United Services Automobile Assn GroupFiles its own version: GA-NNO-0522 Named Non-Owner Coverage (1 state)

• PP 03 08Coverage for Damage to Your Auto38 filings
• PP 13 01Coverage for Damage to Your Auto Exclusion Endorsement37 filings
• PP 03 01Federal Employees using Auto in Government34 filings
• PP 03 23Miscellaneous Type Vehicle Endorsement30 filings
• PP 03 06Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use28 filings
• PP 03 09Single Liability Limit25 filings
• PP 03 18Excess Custom Equipment Coverage25 filings
• PP 03 13Excess Electronic Equipment Coverage24 filings
• PP 03 35Auto Loan/Lease Coverage22 filings
• PP 00 01Personal Auto Policy21 filings