What definition in a personal auto policy applies to a leased vehicle once it's added to the policy?

The definition that applies to a leased vehicle once it's added to a personal auto policy is "your covered auto." This term encompasses not only the vehicles explicitly listed on the policy but also any additional vehicles that are introduced, such as leased cars, when they are added to the policy. When a leased vehicle is insured under the policy, it receives the same coverage and protection as the owner’s vehicle.

Understanding this term is essential because it clarifies the extent of coverage offered on the leased vehicle, which functions just like any other vehicle that falls under the coverage of the personal auto policy. This ensures that the policyholder is aware that the leased vehicle is fully protected as a part of their auto insurance coverage. In contrast, the other definitions do not correctly encompass the nature of leasing a vehicle as it relates to the insurance policy. For instance, a "temporary substitute auto" typically refers to a vehicle used temporarily in place of a covered auto, while "your leased auto" is not a recognized terminology in standard policies. A "private passenger auto" defines the type of vehicle but does not specifically address the implications of leasing. Therefore, recognizing a leased vehicle as "your covered auto" makes it clear that it is part of the insured risk under the policy