What defines a "non-owned auto" according to the PAP?

A "non-owned auto" is specifically defined in the Personal Auto Policy (PAP) as a vehicle that is not owned by the insured or not available for the insured's regular use. This definition is important because it outlines the coverage that applies to vehicles that the insured may use but does not have ownership of. These can include vehicles borrowed from friends or family, or vehicles used on a temporary basis that aren't regularly accessible.

Choosing an option that states a vehicle owned by a friend or one that is occasionally rented does not align with the definition, as the former indicates ownership, and the latter implies a different contractual relationship that usually includes specific rental coverage or liability considerations beyond what is defined for non-owned autos in the PAP. As for a vehicle being test-driven, that situation doesn’t fit the non-owned auto definition either, particularly if the test drive is occurring under the dealership's direct supervision or ownership.

Thus, the correct response highlights the essence of what constitutes a non-owned auto within the framework of the Personal Auto Policy, emphasizing the lack of ownership and the absence of regular use in order to categorize the vehicle appropriately.