Texas General Lines — Property and CasualtyPersonal LinesMedium
Under a Personal Auto Policy (PAP), which of the following vehicles is NOT considered a 'covered auto'?
- AA newly acquired private passenger auto, for 14 days.
- BA non-owned golf cart being operated on public roads.
- CA temporary substitute auto used while the insured's car is being repaired.
- DA trailer designed to be pulled by a private passenger auto.
Show answer & explanationAnswer & explanation
Correct answer: B. A non-owned golf cart being operated on public roads.
A golf cart, especially when operated on public roads, typically falls outside the definition of a 'covered auto' under a standard PAP, which focuses on private passenger vehicles and certain utility trailers. Other options represent standard 'covered auto' definitions.
Why the other options are wrong
- A. Newly acquired autos are generally covered for a limited period, typically 14 or 30 days, depending on coverage.
- C. Temporary substitute autos, like rentals or loaners, are 'covered autos' under the PAP.
- D. Trailers designed to be pulled by private passenger autos are considered 'covered autos'.
Covered Auto (PAP)
In a Personal Auto Policy, a 'covered auto' refers to specific types of vehicles for which coverage applies, including scheduled vehicles, newly acquired vehicles, trailers, and temporary substitute vehicles.
- Any vehicle shown in the Declarations.
- A newly acquired private passenger auto or trailer.
- A trailer designed to be pulled by a private passenger auto.
- A temporary substitute auto used while a covered auto is out of service.
Memory trick: Your PAP covers your primary ride, new additions, and temporary wheels.