Which of the following is NOT included in the term owned autos under auto insurance?

The concept of "owned autos" under auto insurance generally includes vehicles that are titled to or leased by the insured. This definition covers personal vehicles and any leased vehicles that the insured has operational control over.

In this context, a vehicle titled to the insured and a vehicle leased by the insured are clearly included as owned autos. Similarly, a pickup truck used for personal reasons falls under the category of owned autos, as it is used at the discretion of the insured for personal use.

However, a pickup or van that is used specifically in the business of the named insured is not considered an owned auto for personal auto insurance. This is primarily because personal auto insurance policies do not cover vehicles that are primarily used for business purposes. Vehicles utilized in a business context often require a commercial auto insurance policy, which provides different coverage suited to the risks associated with business use. This distinction is crucial as it helps in determining the appropriate insurance coverage needed based on the use of the vehicle.