When is an auto considered 'your covered auto' under the PAP?

The identification of "your covered auto" under a Personal Auto Policy (PAP) is specifically tied to the vehicles that are explicitly listed in the policy declarations. These vehicles are recognized by the insurance provider as being covered under the terms of the policy, establishing clarity regarding which automobiles are insured.

This designation is critical because it delineates the limits and protections provided by the policy. The vehicles included in the declarations have met the underwriting criteria established by the insurer, allowing the policyholder to understand precisely what is covered in terms of liability, collision, and comprehensive coverage. In contrast, vehicles that do not appear in the declarations, regardless of their use, validity of registration, or public transport status, do not qualify as 'your covered auto' unless specifically included in the policy. This helps ensure that both the insurer and the insured have a mutual understanding of the risks associated with the specified vehicles.