Personal Auto PolicyQuestion 378 of 531
The insured's listed car is in a body shop for a week, so he drives a spare car titled to his resident son. Under the personal auto policy that spare car is:
a.A temporary substitute for as long as repairs last
b.Not a temporary substitute, since the son owns it
c.A non-owned auto used with the son's permission
d.A newly acquired auto once the repairs are finished
Explanation
A temporary substitute has to be a vehicle the insured and his family members do not own, used because a covered auto is out of service for repair, servicing, breakdown, loss or destruction. The son is a family member, so his car fails the definition and has to be insured in its own right. Calling it a non-owned auto fails for the same ownership reason.
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