by Ed Sneneh, Automobile Insurance Quotes Agent in Illinois
This discussion of covered auto is related to the Personal Auto Policy, herein referred to as the PAP, a form of auto insurance that is formed by the Insurance Service Office. While many companies adopted the definitions set by the ISO, other auto insurance companies decided to have their own definitions. Other definitions might be more liberal or more stringent that the ISO definitions. For that reason, it is recommended that you read your policy to know exactly how your company defines its coverages.
A covered auto or "your covered auto" is any vehicle listed on the automobile policy declarations pages. Besides the listed vehicles, covered auto also includes the following vehicles:
Newly Acquired Vehicles. If the new vehicle replaces a covered auto listed on the policy then it is automatically covered for the most comprehensive coverages that apply to any vehicle listed in the dec pages. It is good idea to notify the company, although there is no need to do so. If the new vehicle is an extra auto, the same automatic coverage will apply only if the insured person requests the insurer to add the car to the policy within 14 days of acquiring the new auto. Remember that most non standard companies will request that you immediately notify them of any change to extend any coverage to the new policy. Also state laws require that you carry a proof of liability insurance any time you operate the vehicle (this means you need the insurance ID card immediately after you purchase the car, which also means that it is a good idea to report the vehicle immediately.)
Non Motorized Trailers. A trailer is a non motorized vehicle or farm wagon made to be pulled by a private passenger auto, SUV, or van.
Temporary Substitute Vehicles. A temporary substitute vehicle is any non owned auto temporarily in use instead of a auto reported in the dec pages if that auto is out of usual use due to breakdown, repair, servicing, loss, or destruction.
The phrases " you" and "yours" are used in the PAP to refer to the named insured or spouse of the named insured listed on the declarations pages. Family members refer to anyone related the insured by blood, marriage or adoption, and who is a resident of the household. This includes foster children.