Which type of auto qualifies as a "newly acquired auto" under a personal auto policy?

A "newly acquired auto" under a personal auto policy specifically refers to a vehicle that the named insured has recently purchased or obtained and is intended for personal use, such as a private passenger car. This policy provision allows for coverage of the newly acquired vehicle without needing to change the policy immediately, typically granting a grace period for the insured to notify the insurer of the addition.

In this context, a private passenger car fits the definition as it is regularly used by individuals for personal transportation. Other types of vehicles, such as motorcycles, rental cars, or company cars, do not qualify as "newly acquired autos" under a personal auto policy because they may not be utilized in the same manner or may not fall under the personal usage criteria associated with a personal auto endorsement. This distinction is critical for ensuring that all vehicles operated for personal use are adequately insured under the policy.