North Carolina Adjuster Practice Exam

Which scenario qualifies as a "temporary substitute" under Will's Personal Auto Policy?

1. Driving a friend's car

2. Using a rental car while his is in the shop

3. Operating a co-worker's vehicle

4. Loaning his car to a family member

The correct answer is: Using a rental car while his is in the shop

A "temporary substitute" under Will's Personal Auto Policy refers to a situation where an individual is using a vehicle that is not their own while their own vehicle is unavailable for use due to circumstances like repairs or maintenance. In this context, using a rental car while his is in the shop aligns perfectly with the definition of a temporary substitute. This scenario is valid because the individual remains covered under their personal auto policy during such a temporary replacement situation, as the rental car serves as a substitute for their own car that is not in working condition. Other scenarios, although they involve the use of vehicles that are not owned by the individual, do not meet the requirements for temporary substitutes. For example, driving a friend's car or operating a co-worker's vehicle may not provide the same type of coverage under the policy because those vehicles may not qualify as temporary substitutes related to the unavailability of the insured's vehicle. Similarly, loaning his car to a family member relates to the individual providing access to their own vehicle rather than requiring a temporary substitute due to the vehicle being unavailable.