Will a vehicle furnished to an employee by their employer be covered under part D of a Personal Auto Policy?

A vehicle that is furnished to an employee by their employer is generally not covered under part D of a Personal Auto Policy. Part D typically provides coverage for damage to your vehicle or for vehicles owned by you. Since the vehicle in question is owned by the employer, the coverage would not extend to it under the employee’s personal auto policy. Therefore, the personal auto policy does not provide coverage for vehicles owned by someone else, except in certain specified scenarios.

In this case, the correct response highlights the distinction between the coverage provided by a personal auto policy and the ownership of the vehicle. While an employee may drive a company vehicle, it falls under the responsibility of the employer's insurance rather than the employee's personal auto policy.

This understanding emphasizes the importance of understanding the limits of coverage under personal auto policies, especially in situations involving vehicles not owned by the policyholder.