What type of vehicle is considered a covered auto under a Personal Auto policy?

In a Personal Auto policy, a covered auto includes various types of vehicles, and one of those categories is a temporary substitute for an insured vehicle that is out of normal use. This means that if the insured's regular vehicle is in the shop for repairs or is otherwise unavailable, a rental or temporary vehicle used in its place is indeed covered by the policy.

This provision offers flexibility to the policyholder, ensuring that they are not left without coverage when their primary vehicle is not operational. Such coverage is particularly important as it allows the insured to maintain mobility without having to worry about the insurance implications of using a temporary vehicle.

The other options do not align with the definition of covered autos under a Personal Auto policy. For instance, while a vehicle belonging to an immediate family member may have coverage under certain circumstances, it typically does not qualify as a covered auto unless it is explicitly listed in the policy. A rental vehicle used for business purposes is generally excluded from personal auto coverage, as personal policies do not extend to business-related activities. Lastly, an unregistered vehicle would not be covered, as it must be a vehicle that is legally registered and insured to qualify under the policy provisions.