Under the Personal Auto Policy (PAP), a covered auto includes all of the following EXCEPT:

The coverage provided under the Personal Auto Policy (PAP) includes various types of vehicles referred to as “covered autos.” A covered auto typically includes private passenger vehicles, temporary substitutes, and owned trailers that the policyholder uses with permission.

In this context, the option stating "non-owned auto" refers to vehicles that the insured does not personally own but may have permission to use, such as a friend's car. Non-owned autos are generally not included as covered vehicles under a typical PAP unless specific endorsements are added. This distinction is crucial because the policy primarily focuses on vehicles that the insured has direct ownership of or regular access to, ensuring a level of control and accountability over the vehicle's use and associated risks.

In contrast, temporary substitutes are vehicles that the insured may use in place of a covered auto that is temporarily out of service, often due to repairs or servicing. Private passenger autos listed in the Declarations are clearly defined as covered vehicles, and an owned trailer would be covered as it is directly owned by the insured and is utilized as part of their vehicle ownership.

Thus, the correct understanding is that a non-owned auto does not meet the criteria of a covered auto under the terms of a standard Personal Auto Policy, making it the exception