Which vehicle is included in Carmella's personal auto policy definition of "your covered auto"?

The definition of "your covered auto" in a personal auto policy typically encompasses vehicles that are specifically owned by the policyholder or vehicles that fall within specified categories defined by the policy. In this scenario, a boat trailer that Carmella tows behind her truck would indeed be included as "your covered auto" because it is a type of trailer that is used with a covered vehicle and falls under the provisions for trailers as stated in most personal auto policies.

Personal auto policies usually extend coverage to trailers designed for use with motor vehicles, provided they are owned by the insured and are in the same manner as the covered automobiles. Therefore, since a boat trailer can be considered an accessory to her insured truck, it meets the policy's criteria for coverage.

Other options do not qualify under the same definition; for instance, borrowing someone else's vehicle, even for a short period, typically does not grant the same coverage under the insured's personal auto policy. Additionally, a rented vehicle, while may have separate coverage depending on the policy terms, is not included as "your covered auto" since it is not owned by the insured. The utility trailer borrowed from a neighbor could be subject to different conditions concerning coverage, which often applies to trailers owned by the insured only. Thus