What are the four types of covered autos defined as "your covered auto" in the PAP?

The correct answer identifies the types of vehicles covered under a Personal Auto Policy (PAP) as stipulated by the definitions provided in the policy. "Your covered auto" encompasses a variety of specific categories that are explicitly outlined.

The first category mentioned, vehicles shown in the declarations, refers to the vehicles that an insured has listed in the policy documentation. These are the primary vehicles for which coverage is directly provided under the PAP.

The second category, newly acquired autos, indicates that any vehicle the insured purchases or leases during the policy period is automatically included as a covered auto, as long as the insured notifies the insurer within a specific timeframe.

The mention of owned trailers falls under the third category, which highlights that trailers owned by the insured can also be covered under the policy, provided they are used in conjunction with a covered vehicle.

Lastly, temporary substitute autos include vehicles that the insured uses while their covered auto is being repaired or is unavailable for use. This ensures that the insured has coverage for a replacement vehicle that is not officially listed in the policy but serves as a substitute.

This comprehensive definition of "your covered auto" ensures that the insured has a wide range of driving scenarios accounted for in their coverage, promoting continuous protection regardless of the specific circumstances surrounding