Question

A non-owned auto is covered on a PAP if:

1) it is leased
2) it is for regular use
3) it is borrowed from a friend without permission
4) all of the above

Answer 1

A non-owned auto is typically covered on a PAP if it is a temporary substitute for the insured's own vehicle that is not available, not for regular use, and borrowed with permission.

Step-by-step explanation:

A non-owned auto is covered on a Personal Auto Policy (PAP) if it is a temporary substitute for a vehicle owned by the insured that is out of normal use because of its breakdown, repair, servicing, loss, or destruction. Typically, a non-owned auto will be covered if:

• It is a rental car or a short-term lease.
• It is not available for regular use to the insured (meaning it's not a vehicle that is used regularly or frequently).
• It is borrowed with the permission of the owner.

This implies that coverage would not generally apply to a vehicle that is leased long-term, used for regular use, or borrowed without the owner's permission. It's important to review the terms of the policy for specific coverage details and exclusions.