Which vehicle qualifies as a nonowned auto under PAP?

• A. A vehicle not owned by the named insured but used as a temporary substitute
• B. The named insured's own car
• C. A vehicle owned by a family member but not regularly used
• D. A vehicle owned by the insured's employer used for business

Answer: (A)

Nonowned auto means a vehicle you do not own (and not owned by a household member) that you’re using with permission. The policy covers you when you borrow a car to replace your own temporarily, so a vehicle not owned by you that you’re using as a temporary substitute fits squarely.

The other situations don’t meet that definition: a car you own is not nonowned; a car owned by a family member who lives in your household is still owned by someone in your household, so it isn’t classified as nonowned; and a vehicle owned by your employer used for business isn’t a private auto you’re borrowing as a substitute for your own car.