What type of vehicle is classified under 'Covered Autos' in a Personal Auto Policy (PAP)?

The classification of 'Covered Autos' in a Personal Auto Policy (PAP) encompasses various categories of vehicles that the policyholder is permitted to use. A temporary substitute vehicle is defined as a vehicle that the insured is allowed to drive when their covered auto is out of service or unavailable due to repairs, loss, or other types of incidents. The policy provides coverage for these vehicles under the same terms as the primary covered autos, reflecting the needs of drivers who may require alternative transportation temporarily.

This classification underscores the intent of personal auto insurance to offer flexibility and support for individuals who rely on a vehicle for everyday activities, ensuring that they are not left without coverage during a transitional period. Other options listed, such as business vehicles and motorcycles, typically fall under different insurance categories or require specific endorsements to be adequately covered under a standard personal auto policy. Rental vehicles might also be covered under specific circumstances depending on the terms of the policy, but the primary focus here is on the definition and inclusion of temporary substitutes within 'Covered Autos.'