Derph, a few things:
1) You can not endorse a policy that doesn't exist. To even have an endorsement, you have to have a policy first. There are no exceptions since, by definition, the endorsement changes the policy. You have to have that insuring agreement first.
2) Auto coverage always follows the vehicle (let's pretend that scheduled drivers policies don't exists since they're so rare). If the housemate has coverage, so does the single person (using your terms to define the individuals. Now, if the single person does not get permission to use the vehicle, there is no coverage (generally speaking), but the housemate does not have any liability if there's an accident. The driver can add the housemate to his policy if they own the vehicle together or they are somehow related.
3) The housemate can also buy hired/nonowned auto coverage that is basically auto insurance with no scheduled vehicle (Symbols 8 and 9 on a Commercial Auto policy). The same concept exists for a personal policy, but I'm not sure if it's called the same thing or not.
__________________
"They that can give up essential liberty to obtain a little temporary safety deserve neither liberty nor safety." - B. Franklin
"There ought to be limits to freedom." - George W. Bush
"We have met the enemy and he is us." - Pogo
|