Terms to know

Question 1

any vehicle shown in the declarations

Answer 1

covered auto

Question 2

a vehicle acquired by the insured during the policy

Answer 2

newly acquired auto

Question 3

eligible vehicles titled by the insured

Answer 3

owned auto

Question 4

leased, rented, or borrowed vehicles except for the autos owned by employees or partners (non owned)

Answer 4

hired auto

Question 5

insurance for the owner of private passenger behicles

Answer 5

Personal Auto Policy (PAP)

Question 6

non owned vehicle used while the owned vehicle is unavailable due to breakdown, repair, servicing, loss or destruction

Answer 6

temporary substitute

Question 7

a motorist with insufficient insurance amount to cover the expenses incurred in an accident

Answer 7

underinsured motorist

Question 8

a motorist without insurance or with less insurance than the required minimum, a motorist whose insurance company denies the claims, or hit-and-run motorist

Answer 8

uninsured motorist