Opinion ID: 1954597
Heading Depth: 1
Heading Rank: 5

Heading: temporary substitute auto

Text: The vehicle also does not fall under the definition of temporary substitute auto provided by Coverage Part 900: `TEMPORARY SUBSTITUTE AUTO' means an AUTO YOU or a member of YOUR household do not own or LEASE, when it is used temporarily with the owner's permission to replace an OWNED AUTO which is out of service due to its repair, servicing, loss or destruction. The words you and your are defined as the person or organization shown in the declarations as the named insured. The definition of temporary substitute auto contemplates the named insured's use of another's vehicle when the owned auto is out of service. The facts of the instant case are different. The vehicle being used was owned by Auto Mart. By definition, the Dodge Aries K was not a temporary substitute auto. In light of the foregoing, Wichelt was not an insured under Coverage Part 900.