Analysis brought to you by the experts at FC&S Online, the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

Question: I hope you could help me interpret the policy language regarding non-owned autos under Damage to Your Auto, Personal Auto Policy (PAP). If an insured rents a vehicle for three months, would that be considered available for his regular use?

— Indiana Subscriber

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