What does a Personal Auto Policy generally cover?

A Personal Auto Policy (PAP) is designed to provide coverage for various types of vehicles and their uses. The correct choice highlights that a Personal Auto Policy generally covers both owned and non-owned vehicles. This means that if you own a vehicle, that vehicle is covered under your policy. Additionally, the policy extends coverage to vehicles you do not own but are using with permission, such as rental cars or borrowed vehicles.

This broader applicability of coverage reflects the intention of the policy to protect individuals in a wide range of driving scenarios. It ensures that insured individuals are covered for liabilities incurred while driving any vehicle they have permission to operate, not just those they personally own.

Understanding this coverage is crucial, particularly in situations where individuals may need to drive a non-owned vehicle, as the policy ensures they have the necessary protections whether on a personal trip or in everyday usage.