Which type of vehicle is classified as a nonowned auto under the personal auto policy?

In the context of a personal auto policy, a nonowned auto typically refers to a vehicle that the insured does not own but is used by the insured under certain conditions. The correct classification is that of a vehicle titled to another person and used with permission by the insured.

This classification is significant because nonowned autos can give rise to liability claims in situations where the insured is driving someone else's car. The personal auto policy generally provides coverage for nonowned autos in specific circumstances to protect insured individuals when they drive vehicles that aren't theirs.

In contrast, vehicles that are leased, titled and insured by the named insured, or rented for personal use usually do not fall under the category of nonowned autos because they involve some form of direct ownership or control by the insured. A leased vehicle, for instance, is viewed as an extension of ownership, while a rented vehicle is treated as a temporary replacement vehicle that does not meet the definition of a nonowned auto under typical personal auto policy terms.