A resident daughter owns a car titled in her own name that is not listed on her parents' personal auto policy. If she causes an accident in it, the parents' Part A:
Explanation
Part A excludes vehicles other than a covered auto that are owned by or furnished for the regular use of a family member, so the daughter's own car has to carry its own policy. There is an exception that runs the other way: if a parent who is the named insured drives that car, the parents' liability coverage does respond. Being a family member does not pull an unlisted owned vehicle onto the policy.
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