What is defined as a covered auto in an auto policy?

A covered auto in an auto policy is defined as a vehicle shown in the policy declarations. The policy declarations section specifies the vehicles that are insured, providing clarity about what is included in the coverage. Typically, this section lists the specific vehicles along with details such as their identification numbers, makes, and models. This clear designation helps both the insurer and the insured understand which vehicles are covered under the policy, ensuring that both parties are aware of the scope of coverage.

While leased vehicles may also be covered, they need to be specifically listed in the declarations to be considered covered autos. Similarly, vehicles insured under a comprehensive policy refer to the type of coverage provided rather than specifying which vehicles are covered. Regularly driven vehicles need to be added to the declarations to ensure coverage; otherwise, they may not be protected under the policy. Thus, it is the presence of the vehicle in the declarations that ultimately confirms its status as a covered auto.