While an insured's vehicle is in the repair shop, which vehicle would be covered under a personal auto policy?

The correct choice indicates that any vehicle furnished for use while the covered auto is out of use is covered under a personal auto policy. This highlights a key aspect of personal auto insurance, which is designed to provide continuity of coverage when the insured's primary vehicle is unavailable, such as during repairs.

In practical terms, this means if the insured's primary vehicle is being repaired, and they are provided with another vehicle—for example, a loaner from the repair shop or another vehicle rented for temporary use—this vehicle will be covered under the personal auto policy. This is crucial for ensuring that insured individuals are not left without coverage during a period where they still need access to a vehicle.

The other options do not capture the broader coverage context that is integral to personal auto policies. Exclusively identifying rental vehicles or limiting coverage to motorcycles fails to recognize the comprehensive support intended by personal auto coverage when the primary vehicle cannot be used.