With respect to the personal auto policy, which of the following vehicles 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 made available for their use. This includes vehicles that the insured does not hold title to but has permission to operate. The correct classification of a nonowned auto is a vehicle titled to another person and used with that person's permission, which aligns with the facets of personal auto insurance coverage for nonowned vehicles.

This is particularly important as nonowned vehicles can still offer liability coverage under the policy, benefiting the insured in cases of an accident while using a vehicle they do not own. This type of coverage is vital for situations where the insured may use a friend's car or a rental vehicle, providing a safety net if an accident occurs.

Vehicles owned by family members, while they may sometimes be covered under other provisions, do not classify as nonowned because they are owned by someone within the same household. A rented vehicle, although it can be considered under coverage options, is also not classified as nonowned since it is leased but not owned by the insured. Lastly, a vehicle driven by a friend, without clarity on ownership, sits outside of the correct classification unless it is explicitly confirmed to be titled to another person with permission,