What does the term "owned autos" include under auto insurance?

The term "owned autos" in the context of auto insurance refers to vehicles that are titled to the insured. This includes cars that are used for various purposes, including personal, business, or a mix of both, as long as they are registered in the insured's name. Therefore, a vehicle that is titled to the insured and used for business falls under the category of owned autos, as it clearly meets the fundamental requirement of being legally recognized as owned by the insured.

In contrast, while personal use vehicles can be part of owned autos, the definition encompasses more than just those used solely for personal travel. Similarly, all vehicles registered in the insured's name would broaden the definition unnecessarily, as it suggests coverage may extend to vehicles that might not be primarily used by or might not be under the direct ownership of the insured. Additionally, vehicles used for rental purposes do not qualify as owned autos, since they are not titled to the insured, which is a key factor in defining ownership in auto insurance.