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A landscaping company asks to add a truck titled to the corporation to the owner's personal auto policy. The correct response is that the truck:
a.Belongs on the owner's policy as a non-owned auto
b.Belongs on a business auto policy of its own
c.May be listed with a business use surcharge
d.May be listed if the owner drives it home nightly
Giải thích
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.
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