Auto as Defined on the PAP

Our insured has a personal auto policy. He needs to rent a U-Haul truck for the weekend for nonbusiness use. The personal auto policy does not define the word “auto.” One of my insurance carriers is telling me that the auto policy does not provide liability coverage for the use of the truck because it is not an auto, as defined by the standard dictionary. My contention is that the policy specifically excludes coverage for vehicles with less than four wheels and therefore, by implication, covers vehicles with four or more wheels. So, if the insured rents a 20,000 GVW dumptruck for the weekend to bring brush to the local dump, will the personal auto policy provide liability coverage?

Ohio Subscriber