Which type of auto is NOT considered "your covered auto" under a personal auto policy (PAP)?

In a personal auto policy (PAP), "your covered auto" typically includes vehicles that are owned by the insured, as well as certain associated vehicles like newly acquired autos, borrowed autos, and temporary substitute vehicles. The key aspect of borrowed autos is that they generally fall under the coverage of the policy as long as the insured has permission from the owner to use the vehicle.

However, under the definitions provided in most personal auto policies, borrowed vehicles are not explicitly outlined as vehicles that are excluded from coverage, while "your covered auto" specifically refers to vehicles owned by you or those managed under certain conditions. This distinction is important because it is the nature of insurance policies to clarify what types of vehicles are included in coverage, and borrowed vehicles do not meet the strict criteria of being owned by the insured.

In summary, "your covered auto" includes your declared vehicles, newly acquired vehicles, and permissible types of use like temporary substitutes, but borrowed vehicles are treated differently, often requiring individual permissions or conditions to be met under the insured's coverage, thereby making them a less straightforward inclusion compared to the others listed.