Which statement describes a 'temporary substitute' under BAP?

Which statement describes a 'temporary substitute' under BAP?

• A. A trailer attached to the insured's auto
• B. A vehicle used while the insured's auto is out of service
• C. A vehicle used for personal errands
• D. A vehicle not used in the business

Answer: (B)

Temporary substitute means using a vehicle that isn’t owned by the insured to stand in for the insured’s auto when that auto is out of service. The policy provides coverage for that substitute while it’s being used to replace the insured’s vehicle, as long as it’s used with the insured’s permission. The statement that describes using a vehicle while the insured’s auto is out of service fits this idea exactly, capturing both the replacement aspect and the out-of-service condition. A trailer attached to the insured’s own vehicle isn’t substituting the vehicle itself, so it doesn’t describe a temporary substitute. Using a vehicle for personal errands or a vehicle not used in the business doesn’t address the key element of substitution for the insured’s out-of-service auto, so they don’t fit.

Temporary substitute means using a vehicle that isn’t owned by the insured to stand in for the insured’s auto when that auto is out of service. The policy provides coverage for that substitute while it’s being used to replace the insured’s vehicle, as long as it’s used with the insured’s permission. The statement that describes using a vehicle while the insured’s auto is out of service fits this idea exactly, capturing both the replacement aspect and the out-of-service condition. A trailer attached to the insured’s own vehicle isn’t substituting the vehicle itself, so it doesn’t describe a temporary substitute. Using a vehicle for personal errands or a vehicle not used in the business doesn’t address the key element of substitution for the insured’s out-of-service auto, so they don’t fit.