A Named-Operator auto insurance policy provides the same list of coverages as the Non-Owner Policy. It will cover any injuries the driver may cause to other pedestrians or passengers in another vehicle. Damage to the car or property of another is also covered on the Named-Operator Policy. Injury sustained by the driver listed under the Named-Operator Policy will be covered if someone hits him who is not insured. Also, if the driver sustains an injury in an automobile-related accident, regardless of whose fault it is, his policy will pay medical and other related expenses. There are limits for each of these coverages, and you should review the policy and coverages with an experienced, licensed, and authorized insurance agent.

All of these coverages and the Named-Operator Policy are considered secondary coverages to the policy that covers the car. It is assumed that the owner of a Named-Operator Policy is borrowing a car or is being asked to drive someone around in a vehicle that doesn't belong to the driver. It is then expected by law that the owner of the car has their policy on it. That policy covering the vehicle is expected to pay first. These policies are typically issued with an SR22.