Under a personal auto policy, while a covered auto is in the repair shop, what type of vehicle would be covered?

When a covered auto is in the repair shop, the personal auto policy provides coverage for a vehicle that is not owned by the insured but has been furnished for their use. This is important because it ensures that if the insured is using a rental vehicle or a vehicle borrowed from a friend or family member while their own vehicle is undergoing repairs, they still have coverage under their policy.

This provision helps protect the insured from potential financial loss in the event of an accident or damage to the borrowed or rented vehicle. It reflects the intent of personal auto policies to maintain continuity of coverage even when the primary vehicle is temporarily unavailable.

The other options do not accurately reflect the coverage provided under a personal auto policy. For example, vehicles used without reasonable belief of entitlement would not be covered, as they imply unauthorized use. Similarly, any auto regularly used by the insured but not named on the policy or any vehicle located inside a racing facility would also typically fall outside of coverage, as they do not fit the specific criteria set by the policy terms for coverage while a covered auto is being repaired.