In the context of a personal auto policy, which vehicle could be classified as a nonowned auto?

In the context of a personal auto policy, a nonowned auto is defined as a vehicle that is not owned by the insured but is available for their use. The scenario where a vehicle is titled to another person and being used with the permission of that individual falls squarely into this definition. This arrangement typically involves borrowing a vehicle for a short time, and the key aspect is that the insured does not have ownership over the car, which qualifies it as a nonowned vehicle.

The other scenarios provided do not meet the criteria for nonowned vehicles. For example, a car owned by a family member living with the insured is not considered nonowned because it is part of the household and typically does not fall under the nonowned category. Similarly, a rental car rented under the insured's name is also not classified as nonowned, as it is a vehicle that the insured is under a contractual agreement to use. Lastly, a vehicle owned by the insured's employer would be classified as a company vehicle rather than a nonowned vehicle, as the employer retains ownership and responsibility for that vehicle. Thus, the correct understanding of a nonowned auto is encapsulated in the first scenario of borrowing a car with permission from its owner.