Which of the following non-owned vehicles would be covered for liability under a Personal Auto Policy?

The correct choice reflects a key provision of a Personal Auto Policy (PAP). Under a PAP, liability coverage typically extends to non-owned vehicles that are operated by the insured. This includes situations where the vehicle is owned by a family member, provided that the insured is operating the vehicle.

In this scenario, the coverage is applicable because the insured is responsible for their actions while driving the vehicle, thus aligning with the policy's intention to protect the insured against liabilities arising from vehicle operation. The importance of this distinction lies in the fact that the insurer will cover the liability exposures resulting from the use of this vehicle, which is essential for ensuring protection in everyday scenarios among family members.

Other options present different situations that do not align with the coverage intent of a PAP. For instance, a vehicle owned by another family member but not operated by the insured is treated differently regarding liability. Similarly, company vehicles and motorcycles typically have specific considerations or exclusions related to standard personal auto policies. Thus, the emphasis remains on the relationship between the insured and the vehicle’s ownership and operation.