Hired auto covers a vehicle the insured does not own, is not registered to the insured, and is rented or leased for less than 30 days. For example, if the insured runs a delivery service and needs rents an additional vehicle for the two weeks before Christmas, the hired auto coverage protects that vehicle. (See Business Auto Policy).
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A nonowned auto that may be borrowed as well as rented or leased by the insured. Personal auto policy insureds are covered automatically for hired autos, but business auto policy insureds may not be.