Which of the following is covered under a Personal Auto Policy?

A Personal Auto Policy (PAP) is designed to provide coverage for various situations related to personal vehicles. One of the key features of the PAP is that it offers coverage for vehicles when they are driven by individuals who have permission from the named insured, even if those individuals are not licensed drivers. This means that if an unlicensed driver operates a vehicle with the owner’s permission, the vehicle would still be covered under the policy.

In the case of a stolen vehicle, while the loss of a vehicle due to theft is generally covered under comprehensive coverage within a PAP, the context of the coverage specifically relates to the circumstances of ownership and drivers. Similarly, a Personal Auto Policy typically does not extend coverage to vehicles owned by others unless specifically included in the policy or if a specific type of coverage is applicable (like non-owned vehicles). Lastly, a vehicle that is not registered may not have coverage as a registered vehicle is usually a prerequisite for many forms of insurance, including a Personal Auto Policy.

Therefore, the correct answer reflects a fundamental aspect of insurance coverage under a Personal Auto Policy, indicating the importance of permission and the relationship of the driver to the insured vehicle.