Subrogation rights under a personal auto policy would not apply to which coverage when a person uses an auto believing they are entitled to do so?

Subrogation rights under a personal auto policy allow an insurer to pursue recovery from a third party that causes a loss after the insurer has paid for that loss. However, these rights have specific limitations based on the circumstances of the loss and the coverage in question.

In the context of using an auto believing one is entitled to do so, subrogation rights typically do not apply to physical damage coverage because this coverage is generally designed to protect the policyholder's own vehicle against damages, regardless of fault or entitlement. When a person uses a vehicle without permission or under a mistaken belief of entitlement, the insurer may not seek recovery from anyone else since the claim falls under the insured's own coverage for their property.

For the other types of coverage, such as liability, uninsured motorist, and personal injury protection, subrogation could apply in situations where third-party liability is involved or where another party's negligence contributed to the claim. Thus, physical damage coverage is uniquely positioned with its limitations, making it the correct choice in this scenario regarding the application of subrogation rights under the personal auto policy.