Under what condition can the endorsement not be utilized according to the family protection policy?

In a family protection policy, the endorsement is specifically designed to provide coverage when the at-fault party does not have insurance. Therefore, if the at-fault party is uninsured, the endorsement cannot be utilized because the policy’s purpose is to protect the insured against losses caused by underinsured or uninsured motorists. This is a fundamental aspect of how family protection policies operate, ensuring that individuals have coverage in situations where another driver lacks adequate insurance to cover damages.

The other conditions listed do not prevent the use of the endorsement. If a vehicle is stolen, it may relate to coverage under different parts of an auto insurance policy and does not restrict endorsement usage. Similarly, if damages are not severe, it does not eliminate the ability to claim under the family protection policy since the endorsement exists to cover situations regarding the other party's insurance status. Lastly, being involved in multiple accidents does not inherently disqualify a policyholder from utilizing the endorsement; how the policy responds would depend on the specifics of the claims and coverage, not merely on the number of previous accidents.