What is the main purpose of the SPF 6: Standard Non-Owned Auto Policy?

The SPF 6: Standard Non-Owned Auto Policy is designed primarily to provide coverage for employers when their employees use their own vehicles for work-related activities. This policy addresses the gaps in insurance that can arise when employees use their personal vehicles in the course of their employment.

When employees drive their own cars for business purposes, the organization may be held liable for any accidents that occur while they are performing work duties. The SPF 6 covers the employer's liability for bodily injury or property damage that might arise from such use, ensuring that both the employer and the employee are protected in instances where the personal vehicle is being utilized for business activities.

The other options do not correctly capture the main purpose of the SPF 6. While rented vehicle coverage, personal injury claims, and roadside assistance may be relevant to auto insurance more generally, they do not specifically pertain to the core purpose of the SPF 6 policy. Therefore, the focus on employer protection when employees use their own vehicles clearly defines the intent of this specific policy.