Question

With respect to the personal auto policy, which of the following vehicles could be classified as a nonowned auto?

a- a vehicle leased to the name insured for 12 months by a leasing company
b- A vehicle that is titles and insured by the named insured but is driven principally by the named insured's son who is resident of the household
c- A vehicle rented for the insureds personal use
d- A vehicle that is titled to another person, but is being used with permission by an insured.

Answer 1

Nonowned autos in the personal auto policy include vehicles rented for personal use and vehicles titled to another person but used with permission.

Step-by-step explanation:

In the personal auto policy, a nonowned auto refers to a vehicle that is not owned by the named insured but is used by the insured with permission. Based on the given options, the vehicles that could be classified as a nonowned auto are:

1. A vehicle rented for the insured's personal use (option C)
2. A vehicle that is titled to another person but is being used with permission by an insured (option D)

These vehicles are considered nonowned autos as they are not owned by the named insured, but are temporarily used by them. It's important to note that coverage for nonowned autos may be subject to certain limitations and conditions, so consulting the specific terms of the personal auto policy is recommended.