Which type of policy for motor vehicle liability insurance does NOT cover damages sustained while a person other than the named insured is operating the motor vehicle?

The operator's policy is designed specifically to provide coverage for the named insured when they are operating their vehicle. However, it typically does not extend coverage to allow for other individuals to be insured while driving the vehicle. The fundamental purpose of this type of policy is to offer protection primarily to the individual named on the policy, excluding coverage for damages sustained when other operators are behind the wheel.

In contrast, other types of policies have different coverage scopes. A comprehensive policy generally provides broad coverage for various risks related to a vehicle, such as theft or damage from natural disasters, without being limited to who is operating the vehicle. A liability policy typically covers damages caused to others in accidents for which the insured is responsible, and this could apply to any permissive driver using the vehicle. An extended coverage policy often adds additional features to standard policies, and can include coverage for more drivers or situations.

Thus, the distinction lies in the design of the operator's policy, as it does not cover damages from incidents involving drivers other than the insured.