What coverage should Joe ask his agent to add to his Personal Auto Policy for driving a company car?

When Joe is driving a company car, it's important for him to understand that his Personal Auto Policy (PAP) may not fully cover liabilities incurred while operating a vehicle owned by someone else, such as his employer. Extended Nonowned Liability coverage is designed to provide additional liability protection for drivers using a vehicle that they do not own. This coverage would extend Joe's liability protection to incidents that occur while he is driving a company car, thereby filling a crucial gap that exists when he uses a vehicle that is not insured under his personal policy.

This coverage is key for individuals who may occasionally use a nonowned vehicle for business-related purposes, ensuring that they are protected against potential claims that could arise from accidents causing bodily injury or property damage.

In contrast, while comprehensive coverage and collision coverage would protect Joe's own personal vehicle against physical damage, they don't extend liability protection while using a nonowned vehicle. Personal Injury Protection primarily provides coverage for medical expenses and does not address liability issues related to driving a company car.