Under a Personal Auto Policy, coverage generally extends to a newly acquired vehicle and to a temporary substitute auto when the insured's car is being repaired. This reflects that the policy:

Explanation

The Personal Auto Policy defines covered autos to include the vehicles listed on the declarations plus, within policy rules, newly acquired autos (for a limited time, sometimes requiring notice) and a temporary substitute auto used while a covered vehicle is out of service. This prevents a coverage gap when the insured changes cars or uses a loaner during repairs, though specific conditions and time limits apply.