Personal Auto PolicyQuestion 371 of 474
The insured's only listed car is in the shop for transmission repairs, so the insured borrows a neighbor's sedan for the week. Under the policy that sedan is:
a.A non-owned auto that the policy treats as entirely uninsured
b.A temporary substitute auto, treated as the insured's covered auto
c.Outside coverage until the insurer endorses it onto the policy
d.Covered only if the neighbor's own policy has already been used up
Explanation
A temporary substitute is a vehicle the insured does not own, used with permission, while a covered auto is out of normal use because of breakdown, repair, servicing, loss or destruction. A car borrowed while the listed vehicle sits in the shop fits that definition and is a covered auto for the week. No endorsement or notice to the insurer is needed to make the substitution work.
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