Which type of automobile is NOT considered "your covered auto" in a Personal Auto Policy (PAP)?

In a Personal Auto Policy (PAP), the term "your covered auto" refers to the vehicles that are specifically covered under the policy. This includes a variety of vehicle types, each with specific coverage provisions.

Owned vehicles typically refer to cars that are registered in your name and are included in the policy. Newly acquired vehicles are those that you purchase and can be added to your policy, as long as they are of a type that the policy covers. Temporary substitute vehicles, such as rental cars or other vehicles that you may be using while your own car is being repaired, are also included under the covered auto definition.

Borrowed autos, however, do not fall under the category of "your covered auto" in the same way that the other types do. While borrowed vehicles may have some coverage under your policy, they are not inherently considered "your covered auto" because they are not owned by you. Coverage can apply under certain conditions, but the classification strictly refers to vehicles that you own or the other types previously mentioned.

Understanding these distinctions is critical in grasping how various types of vehicles are treated under auto insurance policies, particularly in terms of coverage limitations and conditions that apply.