What is the name of the PAP endorsement for individuals who do not own vehicles?

The correct choice, Named Nonowner Coverage, refers to an endorsement specifically designed for individuals who do not own a vehicle but still wish to have liability coverage when driving vehicles that they do not own. This coverage is especially useful for those who occasionally borrow, rent, or use someone else's car. The Named Nonowner Coverage endorsement provides essential liability protection for these situations, ensuring that the driver is covered if they cause an accident while driving a non-owned vehicle.

The other names provided in the choices do not accurately represent the type of endorsement needed for non-vehicle owners. For instance, Nonowner Policy Endorsement might sound relevant but is not the specific term used in the context of insurance terminology. The Subjective Usage Endorsement does not relate to vehicle ownership or liability coverage, and the Motorist Liability Endorsement is a broader term that typically refers to coverage associated with owned vehicles rather than a specific endorsement catered to non-owners. Hence, Named Nonowner Coverage is the most accurate designation for this situation.