Personal Auto PolicyQuestion 391 of 474
A teenager takes a neighbor's car without asking and causes an accident. Under the neighbor's personal auto policy, Part A liability:
a.Excludes the driver, who lacked any reasonable belief
b.Covers the driver up to the per-person bodily injury limit shown
c.Excludes the driver only if a police report is filed
d.Covers the driver, since the auto itself is a covered vehicle
Explanation
Part A excludes any person using a vehicle without a reasonable belief of being entitled to do so, so a driver who takes a car without asking is not an insured under the owner's policy. Coverage on the auto does not convert an unauthorized taker into an insured. Whether anyone calls the police is beside the point; the test is what the driver could reasonably have believed.
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