Common Endorsements
​Standard Endorsement Forms
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S.E.F. 5 – Permission to Rent or Lease
Covers leased vehicles as if they were owned. -
S.E.F. 6 – Permission to Carry Passengers for Compensation
Allows paid ridesharing (e.g., coworkers or neighbors) but excludes business use, volunteer mileage, carpools, or occasional trip-sharing. -
S.E.F. 13D – Limited Glass Coverage
Covers glass damage under specified perils (excluding full windshield coverage). Reduces premiums since windshield repairs often cost less than the deductible. -
S.E.F. 19A – Valued Automobile
Insures your car for an agreed-upon value (requires a professional appraisal). -
S.E.F. 20 – Loss of Use
Pays for a rental car if your vehicle is unusable due to a covered claim. -
S.E.F. 27 – Liability for Non-Owned Vehicles
Covers damage to rented or borrowed vehicles (deductible applies). -
S.E.F. 35 – Emergency Service Expense
Reimburses towing/emergency service costs (up to a set amount per claim). -
S.E.F. 39 – Accident Rating Waiver
Prevents premium increases after an at-fault accident (eligibility based on clean driving history). -
S.E.F. 43 – Limited Waiver of Depreciation
For new vehicles: Pays full replacement cost (no depreciation) for a set period after purchase (must apply within 3 months).
About
As a parent and trusted insurance advisor, I founded Daniel Mac Insurance with one mission: to help families, young adults, and business owners get affordable, stress-free coverage they can rely on. Whether you’re insuring a first car, protecting your home, or safeguarding your business, I prioritize personalized service over pushy sales tactics. My experience as an advocate for youth and new drivers means I understand the unique challenges of finding fair rates—especially for teens and college students. No jargon, no runaround—just straightforward policies tailored to your needs. Get a quote today and see the difference customer-focused insurance makes!