If an insured vehicle is unavailable, what does "temporary substitute" refer to?

The term "temporary substitute" in the context of an auto insurance policy refers to any vehicle that can be driven when the insured vehicle is unavailable due to being in for repairs or other reasons. This broad definition encompasses various scenarios where the insured needs to operate a different vehicle temporarily.

A rental vehicle fits as a "temporary substitute" because it is often used when the insured car is undriveable, allowing the policyholder to maintain mobility during that period. A borrowed vehicle also qualifies because if a friend or family member lends their car, it serves as a temporary substitute for the insured’s vehicle. Lastly, a replacement vehicle, albeit more permanent, may serve as a substitute in cases where the insured’s car is permanently replaced due to loss or damage.

Given that all these types of vehicles fulfill the role of essentially substituting the insured vehicle when it is unavailable, it is accurate to conclude that "temporary substitute" can refer to a rental vehicle, a borrowed vehicle, and a replacement vehicle. Thus, the correct answer includes all of these options.