For how long must a vehicle be leased to qualify as a covered auto in the personal auto policy?

To qualify as a covered auto in a personal auto policy, a leased vehicle must typically be leased for a duration of six months or longer. This requirement ensures that the vehicle is not just a short-term rental but rather an integral part of the insured's regular transportation needs.

This specific timeframe is important because it establishes a commitment to the vehicle that aligns with the intent of covering it under a personal auto policy. Shorter leases do not offer the same level of assurance regarding the vehicle’s use and relevance in the insured's day-to-day life, which is why they do not meet the criteria for coverage under the policy.

Understanding this stipulation helps insured individuals during the leasing process, ensuring they are aware of the conditions under which their vehicle will be covered in case of an accident or theft while under the personal auto policy.