Explorar todas las preguntas

A partir del 1 de enero de 2025, el Proyecto de Ley del Senado 1107 (la Ley de Protección a los Conductores de California) elevó el mínimo obligatorio de responsabilidad de auto de California a 30/60/15: $30,000 por persona por lesiones corporales, $60,000 por accidente por lesiones corporales y $15,000 por daños a la propiedad, modificando el Código de Vehículos §16056. Los antiguos límites 15/30/5 (vigentes de 1967 a 2024) ya no cumplen la ley de responsabilidad financiera. Las otras opciones están por debajo del mínimo actual, por lo que no cumplen la ley.

La Parte A de la Póliza de Auto Personal es la Cobertura de Responsabilidad. Paga los daños por lesiones corporales y a la propiedad por los que el asegurado es legalmente responsable a causa de la propiedad, mantenimiento o uso de un auto cubierto. La Parte B paga gastos médicos sin culpa, la Parte C responde cuando el conductor culpable no tiene seguro, y la Parte D cubre los daños físicos al vehículo propio.

A pesar del impacto, el contacto con un ave o animal se clasifica específicamente como Otro Que No Sea Colisión (comúnmente llamado Comprensiva) en la Parte D de la Póliza de Auto Personal, no como pérdida por colisión. La cobertura comprensiva también incluye robo, vandalismo, rotura de cristales, incendio y caída de objetos. El asegurado paga el deducible comprensivo indicado en la página de declaraciones.

El Código de Seguros §11580.2 exige que se ofrezca UM por lesiones corporales con cada póliza de responsabilidad de auto de California en límites iguales a los de responsabilidad y no inferiores a los mínimos de responsabilidad financiera. El asegurado nombrado puede rechazar la UM por escrito; el rechazo es efectivo hasta que se retire por escrito. Límites más altos no renuncian automáticamente a la UM y un rechazo verbal no es válido.

El Código de Seguros §1861.02 (añadido por la Proposición 103 en 1988) requiere que las tarifas de automóvil se determinen principalmente por, en este orden: (1) el récord de manejo seguro del asegurado, (2) las millas conducidas anualmente y (3) los años de experiencia de manejo. Cualquier factor secundario u opcional permitido por el Comisionado debe tener menos peso que cada uno de los tres factores principales.

El Programa de Auto de Bajo Costo de California (CLCA) se creó bajo el Código de Seguros §11629.7 para ofrecer a buenos conductores elegibles por ingresos una póliza solo de responsabilidad asequible. Los límites se reducen del estándar 30/60/15 a 10/20/3, con pagos médicos y UM opcionales. La elegibilidad generalmente requiere ingreso familiar igual o menor a 250% del nivel federal de pobreza, 16 años o más, licencia válida de California y un vehículo de menos de $25,000.

En el Formulario de Cobertura de Auto Comercial (CA 00 01), el Símbolo 1 significa 'Cualquier Auto'. Ofrece la cobertura más amplia posible y generalmente solo está disponible para responsabilidad. El Símbolo 2 significa solo autos propios, el 7 solo autos específicamente descritos, el 8 solo autos alquilados y el 9 solo autos no propios.

El Símbolo 2 del Formulario de Cobertura de Auto Comercial cubre 'solo autos propios'. El Símbolo 1 extendería la cobertura a cualquier auto, incluidos los de empleados, lo cual el contratista no desea. El Símbolo 8 cubre solo autos alquilados y el Símbolo 9 cubre solo autos no propios, ninguno se ajusta a la petición de solo propios.

Pagos Médicos de la Parte B es una cobertura de primera parte sin culpa, de monto pequeño, que paga gastos médicos razonables y necesarios (y, si corresponde, gastos funerarios) incurridos dentro de los tres años de un accidente para el asegurado nombrado, familiares y otros ocupantes del auto cubierto. No se considera la culpa. La responsabilidad por lesiones a otros es la Parte A, y la cobertura por límites bajos del culpable es la de Conductor con Seguro Insuficiente en la Parte C.

El Código de Vehículos §16028 exige al conductor mostrar prueba de responsabilidad financiera cuando un oficial lo solicite o tras un accidente. Aunque depósitos en efectivo ($35,000 en el DMV), certificados de autoseguro (flotas de 25+) y fianzas son métodos permitidos, lo más común para un auto particular es una póliza de responsabilidad con límites mínimos 30/60/15. Por eso D es la respuesta correcta más amplia; las demás son demasiado limitadas.

La cobertura de Colisión bajo la Parte D paga los daños al auto cubierto causados por impacto con otro vehículo u objeto, incluidos objetos fijos como buzones, postes y muros. La Responsabilidad (Parte A) solo respondería por el daño al buzón del propietario, no al propio auto. La Comprensiva se aplica a causas como incendio, robo, vandalismo y contacto con animales, no a impacto con objetos fijos.

El Código de Seguros §11580.2 exige que la UM por lesiones se ofrezca en límites iguales a los de responsabilidad de la póliza, pero no inferiores al mínimo de responsabilidad financiera de $30,000 por persona y $60,000 por accidente. La SB 1107 elevó este mínimo a partir del 1 de enero de 2025 (antes $15,000/$30,000). El asegurado nombrado puede, por escrito, elegir límites superiores iguales, límites UM reducidos (pero no inferiores a 30/60) o renunciar a la UM.

El Formulario de Cobertura para Concesionarios de Autos (CA 00 25), antes llamado Garage Coverage Form, está hecho para concesionarios de autos nuevos y usados. Combina responsabilidad de auto para las operaciones del concesionario, cobertura de guardacoches para los autos de clientes dejados en servicio y daños físicos sobre el inventario del concesionario. El Auto Comercial y el de Transportista Motorizado no abordan exposiciones específicas del concesionario.

El Formulario de Transportista Motorizado (CA 00 20) reemplazó al antiguo Truckers Form y está diseñado para empresas que transportan bienes propios o de otros a cambio de pago. Incluye endosos requeridos por la Federal Motor Carrier Safety Regulation como el MCS-90, aborda intercambio de remolques y contempla las exposiciones únicas del transporte de carga por contrato. El Auto Comercial sirve para flotas comerciales no camioneras pero no incluye todas las provisiones específicas de camiones.

El Símbolo 9 (solo autos no propios) cubre autos que el asegurado nombrado no posee, arrienda, contrata, alquila ni pide prestados, incluidos los vehículos propios de empleados usados en el negocio. Protege a la empresa de la responsabilidad indirecta cuando un empleado causa un accidente al hacer una diligencia comercial en su auto personal. La PAP del empleado sigue siendo primaria; el Símbolo 9 normalmente responde en exceso.

El Símbolo 8 significa solo autos alquilados — vehículos que el asegurado nombrado arrienda, contrata, alquila o pide prestados (salvo a empleados, socios o miembros de sus hogares). Alquilar camiones a una agencia comercial es la exposición clásica de auto alquilado. El Símbolo 2 no aplicaría porque los camiones no son propios; el Símbolo 9 no aplicaría porque no son autos de empleados.

Salvo que se agregue un endoso opcional (como Auto Loan/Lease Coverage CA 23 04 o de Costo de Reemplazo), la Parte D paga el menor entre (a) el valor en efectivo real (ACV) del bien dañado o (b) el monto necesario para repararlo o reemplazarlo con igual tipo y calidad, menos el deducible aplicable. El ACV es generalmente el valor de mercado o libro al momento de la pérdida, considerando depreciación.

La Parte E lista los deberes del asegurado: notificación pronta, cooperación, sometimiento a exámenes físicos y declaraciones bajo juramento, envío oportuno de documentos legales, prueba escrita de pérdida y protección del vehículo dañado. La póliza prohíbe específicamente al asegurado hacer pagos voluntarios o resolver por su cuenta, salvo a su propio costo; hacerlo puede perjudicar a la aseguradora y ser motivo de negativa.

El §663(a)(2) del Código de Seguros exige al menos 30 días de aviso escrito de no renovación para una póliza de auto particular, y el aviso debe incluir la declaración del §666 que indica al asegurado cómo solicitar el motivo. Los otros tres son plazos reales pero de otros actos: 20 días es el plazo del §663(a)(1) para OFRECER la renovación y también el aviso de cancelación del §662, 10 días es el aviso de cancelación por falta de pago del §662, y 45 días corresponde a la rama de oferta de renovación del §678 para propiedad residencial. La Parte F de la póliza ISO no fija este plazo; lo fija la ley.

Bajo la Parte D, si se compró Otro Que No Sea Colisión (Comprensiva), la póliza paga gastos de transporte como alquiler de auto o viaje compartido tras el robo del auto cubierto, después de un período de espera de 48 horas. El estándar es un límite diario (p. ej., $20 o $30) hasta un máximo agregado (p. ej., $600 o $900). Se pueden elegir límites mayores con prima adicional. La pérdida de uso no es ilimitada ni se limita al transporte público.

El Código de Seguros §11580.2 contiene una cláusula anti-apilamiento: la recuperación máxima UM es el límite más alto en una sola póliza o vehículo, no la suma de todos. Esta regla impide que el asegurado cobre más que el límite UM aplicable más alto, sin importar cuántas pólizas tenga.

El Código de Vehículos §16020 exige a los conductores llevar prueba escrita de responsabilidad financiera. La prueba estándar es la tarjeta de identificación de seguro que la aseguradora debe emitir según el Código de Seguros §1872.85. La tarjeta debe estar en el vehículo y presentarse a la autoridad a solicitud. Un SR-22 solo se requiere para conductores de alto riesgo después de infracciones específicas; una carta notariada no es lo estándar.

La Parte A define 'asegurado' ampliamente para incluir (1) al asegurado nombrado y cualquier 'familiar' por la propiedad, mantenimiento o uso de cualquier auto, (2) cualquier persona que use 'su auto cubierto' con permiso y (3) cualquier persona u organización legalmente responsable por los actos de un asegurado. Por eso los usuarios con permiso (prestar el auto a un amigo) están protegidos; el permiso es el detonante.

Los actos intencionales están excluidos en la Parte A — la póliza solo responde por pérdidas accidentales. Otras exclusiones incluyen daños a bienes propios, transportados o alquilados por el asegurado (con limitadas excepciones), responsabilidad por entrega de bienes por compensación (viajes compartidos/entregas sin endoso), uso de vehículos de menos de cuatro ruedas y carreras en pista. La conducción negligente que lesiona a un usuario con permiso o a un peatón es precisamente lo que la Parte A está diseñada para cubrir.

La UIM de California se aplica cuando el culpable sí tiene seguro de responsabilidad pero los límites son insuficientes (menores que los del asegurado) Y esos límites se han agotado mediante el pago de sentencias o acuerdos. Entonces la UIM paga la diferencia entre los límites del culpable y los límites UIM del asegurado, hasta el monto UIM. Sin seguro = UM; insuficiente = UIM.

La Parte D define 'su auto cubierto' incluyendo no solo los autos listados sino también un 'auto recién adquirido' dentro de un período de aviso, un 'auto sustituto temporal' usado mientras el listado está fuera de servicio y ciertos autos no propios con permiso. La mayoría de pólizas cubren los autos de prueba/concesionario con la cobertura más amplia de cualquier auto listado. La cobertura del concesionario suele ser primaria, pero la PAP puede responder según se necesite.

Los tribunales de California han sostenido generalmente que, si la aseguradora paga para reparar el vehículo a su condición anterior, su deber contractual está satisfecho; la PAP estándar no exige por separado pagar el valor disminuido. Este se persigue más comúnmente del conductor culpable en un reclamo de tercero. Algunas jurisdicciones lo manejan distinto, pero los reclamos de primera parte por daños físicos en California generalmente no incluyen valor disminuido.

Según el Código de Vehículos §544 y la práctica común, un vehículo se considera pérdida total cuando el costo de reparación más el valor de salvamento iguala o supera el valor en efectivo real previo a la pérdida. La aseguradora paga el ACV (menos deducible) y se queda con el salvamento. La marca del título de California (salvamento/no reparable) sigue; la edad o daño cosmético por sí solos no activan la pérdida total.

La Parte A define 'lesión corporal' como daño corporal, enfermedad o dolencia, incluida la muerte resultante. Una vez producida la lesión física, los daños derivados — gastos médicos pasados y futuros, salarios perdidos, pérdida de capacidad de ingreso, dolor y sufrimiento, angustia emocional y otros daños no económicos — son recuperables hasta los límites BI de la póliza. La pura pérdida económica sin lesión física generalmente no es 'lesión corporal'.

La Póliza de Auto Personal está diseñada para individuos y familias con autos particulares y excluye la mayoría del uso comercial regular más allá del transporte ordinario y diligencias personales. El Formulario de Auto Comercial es para cuentas comerciales y usa el sistema de símbolos (1-9) para describir qué clases de autos están cubiertas para qué coberturas — propios, alquilados, no propios, específicamente descritos, etc. El BACF no reemplaza a un CGL; solo cubre responsabilidad relacionada con autos.

Part A (Liability Coverage) responds when the insured is legally responsible for bodily injury or property damage to others arising out of the use of a covered auto, paying damages and providing a defense. Part B pays medical expenses for the insured and passengers, Part C covers injuries caused by uninsured or underinsured drivers, and Part D covers physical damage to the insured's own vehicle.

Collision coverage pays for damage to the insured's own auto from colliding with another vehicle or object or from overturning (upset), regardless of fault. Other-than-collision (comprehensive) coverage handles losses such as fire, theft, falling objects, glass breakage, and animal strikes. Damage the insured causes to someone else's car is a liability (Part A) matter, not Part D.

Other-than-collision (comprehensive) coverage handles losses not caused by collision or upset, such as fire, theft, vandalism, hail, flood, glass breakage, animal strikes, and falling objects like a tree limb. Rear-ending a car, hitting a guardrail, and rolling over are all collision or upset losses covered under collision coverage, not comprehensive.

Uninsured Motorists coverage steps in when the insured is injured by an at-fault driver who carries no liability insurance (and, with underinsured motorists coverage, when the at-fault driver's limits are too low). It essentially provides the liability protection the negligent driver failed to carry. Damage to the insured's own car is handled by Part D, and injuring others is a Part A liability matter.

Split limits are read as bodily injury per person / bodily injury per accident / property damage per accident. So 100/300/50 means up to $100,000 for one injured person, up to $300,000 total for all bodily injury in one accident, and up to $50,000 for property damage per accident. A single combined single limit, by contrast, provides one total amount for both bodily injury and property damage.

Underinsured motorists coverage applies when the at-fault driver does carry liability insurance, but the limits are insufficient to fully pay the injured insured's damages; UIM makes up part of the shortfall. Uninsured motorists coverage applies when the at-fault driver has no liability insurance or cannot be identified (such as a hit-and-run). Both protect the innocent insured from another driver's inadequate coverage.

A family member is a person related to the named insured by blood, marriage or adoption who resides in the household, and the definition reaches a ward or foster child in the insured's care. The roommate lives there but is not related to the insured, so the definition does not cover him. A son or daughter away at school is normally still treated as a household resident.

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.

Your covered auto means the vehicles shown in the declarations, a newly acquired auto on the terms the policy states, any trailer the insured owns, and a temporary substitute for a listed auto that is out of use. A car titled to a resident family member is not swept in automatically; it has to be listed and rated on its own. That is why a driving-age child's own vehicle must be reported.

A non-owned auto is a private passenger auto, pickup, van or trailer not owned by and not furnished or available for the regular use of the insured or a family member, used with permission. A company car the insured may take any day is furnished for regular use, so it sits outside the definition and needs extended non-owned coverage. An occasional borrowed or rented car does fit.

Part A treats as an insured any person or organization that is legally responsible for the acts of someone for whom coverage applies while a covered auto is used. The charity is being held vicariously liable for the volunteer's driving of her covered auto, so it picks up that protection. It does not have to be listed on the declarations to get it.

Part A withholds coverage from any person while employed or otherwise engaged in the business of selling, repairing, servicing, storing or parking vehicles, so the valet gets nothing from the car owner's policy. The restaurant's garage and garagekeepers coverage is what responds. Handing over the keys does not defeat that exclusion, and the exclusion is about the parking business, not about who is in the family.

The insurer must defend any suit asking for damages the policy covers, and it may investigate and settle as it thinks proper, but that duty ends once the limit of liability has been used up by payment of judgments or settlements. A demand that merely exceeds the limit does not end it; the money has to actually go out the door. The passage of time does not end it either.

Defense costs under Part A are paid in addition to the limit of liability rather than out of it. The insurer pays the $38,000 judgment and separately absorbs $14,000 of defense, so $52,000 leaves the insurer and the limit itself is untouched by legal fees. Treating the $14,000 as part of the $50,000 limit is the usual error.

With split limits the second figure caps all bodily injury arising from any one accident. Each of the three claims sits under the $250,000 per-person limit, so nothing is trimmed on that account, but the three add to $560,000 against a $500,000 per-accident cap. The insurer pays $500,000 and the insured is exposed for the remaining $60,000.

The first split-limit figure caps what the policy will pay for any one person's bodily injury, so the settlement is cut to $50,000. Only one claimant is involved, which means the $100,000 per-accident figure never comes into play; that number is a ceiling on the total, not an amount available to a single person. The insured is personally exposed for the other $35,000.

A combined single limit puts one amount at the disposal of bodily injury and property damage together for any one accident. The two claims add to $470,000, which is inside the $500,000 limit, so the whole loss is paid and $30,000 of limit is left over. Split limits of 100/300/50 on the same facts would have paid only $150,000, which is the point of the comparison.

Supplementary payments cover the premium on appeal bonds in suits the insurer defends, along with premiums on bonds to release attachments, and they are paid on top of the limit of liability. The insurer does not have to hand over the face amount of the bond itself. The $250 figure belongs to bail bonds and has nothing to do with an appeal bond premium.

The policy pays up to $200 a day for loss of earnings when an insured attends hearings or trials at the insurer's request, so the cap only bites when the real loss is larger. Three days of genuine loss at $150 comes to $450, and the $200 figure is a ceiling rather than a fixed daily benefit. Attendance requested by the insurer is not voluntary.

The bail bond supplementary payment is up to $250 for bonds required because of an accident or traffic law violation arising out of the use of a covered auto, so a $180 bond is paid in full and no more. The $250 figure is a maximum, not an automatic payment. Supplementary payments sit on top of the limit of liability and do not reduce it.

Liability coverage answers for damage to the property of others, and Part A specifically excludes property damage to property owned by or being transported by the insured. The garage belongs to the insured, so the loss belongs to his homeowners policy rather than to his auto liability limit. Treating it as third-party damage misses that a person cannot be liable to himself.

Part A excludes liability while a covered auto is used to carry persons or property for a fee, which is exactly what a paid ride-hailing trip is. That exclusion carves out a share-the-expense car pool, so riders chipping in for gas leaves coverage intact and a passenger on board is not itself a problem. Paid driving needs a commercial or ride-hailing endorsement.

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.

The exclusion for using a vehicle without a reasonable belief of being entitled to do so has an exception for a family member using a covered auto that the named insured owns. The teenager is a family member driving the listed sedan, so Part A responds in full rather than for property damage alone. The exclusion is aimed at a stranger who takes a car, not at a household member's use of the family vehicle.

Part B covers the named insured and family members while occupying any auto and when struck as pedestrians, but other people only while they are occupying the covered auto. A neighbor riding along is therefore covered, while the same neighbor hurt in her own car or as a pedestrian is not. A fall on the front steps is a homeowners medical payments matter.

The medical payments limit applies separately to each injured person, so the driver's $12,500 is trimmed to $10,000 while the passenger's $4,000 is paid in full, giving $14,000. Paying both bills as billed ignores the per-person limit, and there is no accident cap here that would reduce the total further.

The unendorsed definition contemplates a vehicle whose driver and owner cannot be identified and which strikes the insured, a family member or the covered auto; many states broaden this so a no-contact phantom vehicle qualifies when there is corroborating evidence. Reporting to the police is a duty the insured owes, not the test of what the vehicle is. A vehicle with low but real limits is an underinsured motorist question.

Part C withholds coverage from an insured who settles with a party who may be liable without the insurer's consent and thereby destroys its right to recover. Simply deducting the $3,000 assumes the insurer still has a claim against the uninsured driver, but the release has extinguished it. Arbitration settles the amount of a disputed claim; it is not a cure for a broken subrogation right.

Underinsured motorists coverage, offered as an option in most states, fills the gap between what the at-fault driver's limits pay and the insured's actual damages, up to the underinsured limit. Damages of $90,000 less the $25,000 already recovered leaves $65,000 unpaid, and that sits well inside the $100,000 limit. Coverage is not forfeited merely because the other driver carried some insurance.

Driving into an object lying in the road is impact with an object, which is collision, so the $1,000 collision deductible applies and $2,600 less $1,000 leaves $1,600. Had the branch fallen onto the car instead, it would be a falling-object loss settled as other than collision with the $250 deductible. Only one deductible is applied to one loss.

Physical damage losses are settled at actual cash value, which is replacement cost less depreciation, and the deductible comes off: $6,400 less $500 leaves $5,900. When it pays a total loss the insurer may keep the damaged property, which is how the scrap value is accounted for. Replacement with a brand-new vehicle is not what the unendorsed policy promises.

The standard form pays $20 a day toward transportation expenses with a $600 maximum for any one loss, so the daily rate is capped at $20 no matter what the rental really costs and the running total is capped as well. Even forty days at $20 would come to $800, which the $600 ceiling cuts back. Reimbursing the actual $25 a day ignores both caps.

Part D excludes loss due to freezing, alongside wear and tear, mechanical or electrical breakdown, and road damage to tires, so the insured pays for the cracked block. Freezing sounds like weather damage, which is why candidates reach for other than collision, but the exclusion applies whichever physical damage coverage is in force.

Part D insures the covered auto and its equipment, so the broken window is an other-than-collision loss subject to that deductible, but personal belongings carried in the car are not covered property. The laptop is a contents claim for a homeowners or renters policy. Theft is squarely an other-than-collision peril, so treating the whole claim as excluded is wrong.

Part E adds duties for anyone seeking uninsured motorists coverage: promptly notify the police if a hit-and-run driver is involved, and promptly send the insurer copies of the legal papers if suit is brought against the other driver. Nothing requires suing a driver nobody can identify, and uninsured motorists coverage is not written as excess over the insured's own physical damage.

For a physical damage claim the insured must take reasonable steps after a loss to protect the auto from further damage and must permit the insurer to inspect and appraise the damaged property before it is repaired or disposed of. Collecting three competing estimates is a common shop practice rather than a policy condition, and the lienholder has no say in when repairs begin.

The fraud provision states that coverage is not provided to any insured who has made fraudulent statements or engaged in fraudulent conduct in connection with an accident or loss for which coverage is sought. The consequence falls on the whole claim rather than on the padded part alone, so paying the honest portion understates what the provision does. The policy carries no scheduled fraud penalty.

The policy territory is the United States of America, its territories and possessions, Puerto Rico and Canada, together with the period an auto is being transported between their ports. A trip beyond that falls outside the territory, so a policy written in the destination country is needed. Where the car is registered does not stretch the territory, and the trip does not void the rest of the term.

The towing and labor endorsement pays a small stated amount for towing and for labor performed at the place of disablement, and it applies whether or not the cause of the disablement is an insured physical damage peril. Parts fitted to the car, such as a replacement battery, remain the insured's own cost, and the destination of the tow is not a condition.

A named non-owner policy is written for an individual who owns no vehicle and covers that person's liability while using borrowed or rented autos, so it attaches to the driver rather than to a described auto. It does not reach a vehicle furnished for the insured's regular use, which is what extended non-owned coverage is for, and physical damage on a rental is not part of the basic form.

Covered auto designation symbols tell you which group of autos a particular coverage reaches, such as any auto, owned autos, specifically described autos, hired autos or non-owned autos, and each line of coverage can carry a different symbol. Deductibles, rating classes and garaging locations all appear elsewhere on the declarations.

Hired auto liability answers for injury and damage the firm causes to others while using a rented vehicle; damage to the rented vehicle itself is the firm's own property loss and needs hired auto physical damage coverage. Liability coverage will not do it, since it excludes property in the insured's care, which is what a rented truck is.

A business is exposed to vicarious liability when employees run its errands in their own vehicles, and non-owned auto liability answers that exposure on the business auto policy. Hired auto liability picks up vehicles the firm rents or borrows, a different group of autos, and collision damage to an employee's own car stays on that employee's personal policy.

The personal auto policy is built for individuals and for vehicles owned by an individual or a married couple, so a truck titled to a corporation and used in the business is not eligible and belongs on a business auto policy. Where it is parked overnight changes neither the title nor the commercial exposure, and a vehicle the insured's own company owns is not a non-owned auto.