Extended non-owned coverage, also termed a 511A in Texas, is a type of endorsement that you can be added to an insured's personal auto insurance who uses a car that is not owned by them such as a business or company car.

This is a type of endorsement that provides broader liability coverage for specifically named people operating any non-owned automobile. Though the terms of the coverages can vary depending upon the terms of your policy, in general this type of coverage covers non-owned autos, use of autos to carry people or property for a fee, and individuals driving employer-furnished cars who do not own vehicles themselves.

While one insurance company states that coverage is provided only for autos not owned, leased, hired, or borrowed by the named insured. Coverage includes autos owned by the insured's employees or members of their households, but only while used in the named insured's business or personal affairs.

Another insurer in Texas notes their extended non-owner optional coverage covers you when driving a car you or a family member do not own. For example, you drive a vehicle owned by your employer but you are required to carry the insurance policy. Drive Other Car coverage can be written in different variations and may include other coverages such as Medical, PIP, Accidental Death Benefits, Work Loss Benefits etc.

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