2. Which one of the following would NOT be considered a covered auto under the Personal Auto policy?
Answer: B
A car owned by the insured's employer that the insured drives while making sales calls would NOT be considered a covered auto under the Personal Auto policy.
A vehicle owned by the insured's employer is not classified as a covered auto under a Personal Auto policy, as the policy typically only covers vehicles that are owned by the insured or certain types of vehicles specifically listed in the policy.
A) A car borrowed by an insured for use while hers is being repaired
This option is considered a covered auto under the Personal Auto policy. Borrowing a car temporarily while the insured's own vehicle is being repaired falls within the policy's provisions, which often include coverage for borrowed vehicles.
B) A car owned by the insured's employer that the insured drives while making sales calls
This option is correctly identified as not being a covered auto under the Personal Auto policy. Vehicles owned by an employer are typically covered under a commercial auto policy rather than a personal auto policy, which is designed for personal use vehicles.
C) A pickup truck used on a farm and described in the Declarations
This option is considered a covered auto as long as the pickup truck is specifically described in the Declarations of the Personal Auto policy. Vehicles listed in the Declarations are covered, provided they meet the policy's usage requirements.
D) A trailer the insured attached to his sedan
This option is generally considered a covered auto under the Personal Auto policy, as trailers that are attached to a covered vehicle are typically included in the policy's coverage, assuming they meet the necessary criteria outlined within the policy.
Conclusion
The correct answer is B, as it highlights a fundamental distinction between personal and commercial coverage in auto insurance. Options A, C, and D are all consistent with the definitions of covered autos under a Personal Auto policy, while B clearly indicates a vehicle type that falls outside the policy's scope. Understanding these distinctions is crucial for ensuring appropriate coverage for different vehicle uses.