A "non-owned auto" is defined as a vehicle that is not owned by or available for the regular use of whom?

A "non-owned auto" refers to a vehicle that is not owned by the named insured or a family member and is not available for their regular use. This definition is crucial within the context of auto insurance as it clarifies the liability coverage for vehicles that the insured may use but does not have ownership over.

This could include vehicles borrowed from friends or relatives, as long as they are not part of the insured's regular vehicle use. The significance of this lies in how auto insurance policies might extend coverage to incidents that occur while driving these non-owned vehicles, provided they are being used in a permissible manner.

The definition does not apply to vehicles owned by the insured’s employer or a rental agency since those situations would typically involve specific policies or coverage provisions designed to address such scenarios.