Which BAP endorsement could provide Personal Injury Protection for an employee who does not own a car?

The endorsement that could provide Personal Injury Protection (PIP) for an employee who does not own a car is the Named Individuals Broadened PIP. This endorsement extends coverage to specific individuals named in the endorsement, which can include employees who might not have their own vehicles. It expands the protection beyond the traditional limitations of a standard PIP policy, making it applicable in situations where an employee is injured in a vehicle that they do not own.

Basic PIP typically offers coverage for individuals who are driving or riding in a vehicle at the time of an accident but may not cover those who do not own a car. The Personal Automobile Policy is designed primarily for personal vehicles and generally would not apply in a commercial context or to employees without their own cars. Commercial Auto PIP is focused on vehicles used for business purposes and may not extend to personal injury claims for employees without ownership of a covered vehicle. Thus, the Named Individuals Broadened PIP effectively caters to the specific needs of employees in such scenarios.