Which type of automobile is NOT categorized as a Temporary Substitute Automobile?

A Temporary Substitute Automobile refers to a vehicle that temporarily replaces an insured vehicle when it is unavailable, for instance, during repairs or while the owner is dealing with a claim like theft.

In this context, a vehicle owned by the insured does not fit the definition of a Temporary Substitute Automobile. This is because the insured vehicle is already within the individual's policy coverage and does not serve as a temporary replacement; rather, it is simply another vehicle owned by them.

On the other hand, a car used while the owner's vehicle is in repair, a vehicle used during the theft of the primary automobile, or a car borrowed from a friend while the owned vehicle is in service all qualify as temporary substitutes since they are used specifically when the insured's vehicle is not operational or unavailable.