What does "your covered auto" refer to according to the PAP?

The term "your covered auto" as defined in the Personal Auto Policy (PAP) specifically refers to any vehicle listed in the Declarations section of the policy as well as any trailer owned by the insured. This definition is critical as it establishes which vehicles are protected under the terms of the policy, ensuring that coverage applies to those vehicles explicitly mentioned in the documentation provided by the insurer.

By specifying that the coverage extends to any trailer owned by the policyholder, it encompasses not just the primary vehicles, but also adds value through the inclusion of owners' trailers which may be used for various purposes, further ensuring the insured has robust protection for all their vehicular needs. This clarity helps both insurers and insured parties maintain an accurate understanding of what is covered under the policy, which is vital for effective policy management and claims processing.