- Resources
Ari J. Schacter
The Family Protection Endorsement (SEF 44)
The SEF 44 Endorsement provides you, as well as your dependent family members, with excess insurance to cover any damages sustained in a motor vehicle accident in excess of $200,000, up to your own policy limits. In effect, it provides you with coverage up to the maximum of your own policy limits, whatever that may be. If you have the exact same amount of coverage as the other person involved in a collision, the Family Protection Endorsement is not activated.