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nonowned automobile

Nonowned automobile is described in commercial auto policies as an auto that is used in connection with the named insured's business but that is not owned, leased, hired, rented, or borrowed by the named insured.

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Additional Information

As used in the business auto policy (BAP), the term specifically applies to vehicles owned by employees and used for company business; as used in the truckers and motor carrier policies, it applies only if such autos are private passenger type autos. (Autos other than private passenger type owned by employees are classified as hired autos in the truckers and motor carrier policies.)

Related Terms

The term "hired automobile" (or "hired autos") is used in the Insurance Services Office, Inc.(ISO),...