Vehicle Available for Regular Use?

Insured's legal residence is Rhode Island . Her son lives in Florida . Insured spends the winter in Florida and stays with her son. Insured is allowed to drive the son's vehicle as needed while she is staying with him. The son lists the insured as a driver on his personal auto policy. Insured has an accident with the vehicle and the son's insurance is not in effect. Insured is making a claim against her policy for the damage to the son's vehicle.

Question: Is the son's vehicle available for her regular use (see definition of non-owned auto). If it meets the definition, the son's vehicle damage is covered. If it does not meet the definition, the son's vehicle damage is not covered.

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