Which vehicle is NOT considered a 'Your Covered Auto' under a Personal Auto Policy?

A Personal Auto Policy typically defines "Your Covered Auto" to include vehicles that the insured owns, as well as certain vehicles that may be used in specific circumstances. The category of vehicles covered generally encompasses cars, trucks, and vans owned by the insured, as well as motorcycles, which can be included if specifically listed or in accordance with the policy's terms.

However, a trailer borrowed by the insured does not fall under the definition of "Your Covered Auto." This is because borrowed trailers are not owned by the insured and the policy tends to cover only those vehicles that are owned or specifically listed within the coverage. In most cases, borrowed vehicles may require separate coverage, depending on the insurer's policy and the circumstances under which they are used.

This distinction is crucial in understanding how coverage applies under a Personal Auto Policy, especially when it comes to identifying what qualifies as a covered vehicle. Ownership plays a key role in determining coverage, making it necessary to ensure that all covered vehicles are owned or specifically listed in the policy documentation.