What does the family protection endorsement provide coverage for?

The family protection endorsement is designed to extend coverage in situations where an insured person is involved in an accident with an uninsured motorist or a motorist whose insurance is insufficient to cover the damages incurred. Specifically, this endorsement provides coverage not only to the named insured but also extends to others as defined within the owner's policy, such as family members or individuals residing in the same household. This broadens the protection offered to cover various occupants or individuals who might be involved in the same accident, ensuring that they also receive coverage under the policy's provisions in the event of an incident with an uninsured or underinsured driver.

The other options limit the scope of coverage inappropriately. One focuses solely on the named insured, which does not reflect the intended benefits of this endorsement. Another option specifies coverage for damages caused by an uninsured motorist without acknowledging the broader coverage provided to other defined persons. Lastly, covering an insured while operating a friend's vehicle does not accurately capture the specific intent of the family protection endorsement, which primarily focuses on providing added protections for those involved in accidents with uninsured or underinsured motorists.