What is a covered Auto?

• A. A vehicle in the policy declaration
• B. A vehicle not listed but borrowed
• C. A vehicle used for commercial purposes only
• D. A bicycle

Answer: (A)

In auto policies, coverage attaches to the specific vehicles shown on the Declarations page. A covered auto is the vehicle exactly as listed in those declarations—the car (or cars) the insurer has agreed to insure under this policy, with the stated limits and coverages. Because the policy defines protections by the vehicles named there, a vehicle isn’t automatically covered if it isn’t listed, unless there’s a special endorsement or provision for newly acquired or non-listed autos. A borrowed car isn’t assumed to be covered just because it’s in use, and a bicycle isn’t a motor vehicle and isn’t included in standard auto coverage. So the best description of a covered auto is the vehicle shown in the policy declarations.