Answer :
Final answer:
A temporary substitute refers to vehicles used in place of the insured vehicle during repairs. The correct options that fit this definition are a rental vehicle and a loaner car from a neighbor. Option b is the most formally recognized in insurance contexts.
Explanation:
Understanding Temporary Substitutes
A temporary substitute in automotive insurance pertains to vehicles that are used instead of the insured vehicle during specific circumstances. Among the options given, the most appropriate examples of a temporary substitute are:
- b. a rental vehicle while the insured's vehicle is being repaired
- c. a loaner car from a neighbor while the insured's vehicle is being repaired
Both of these options represent situations where a temporary vehicle is used while the primary vehicle is non-operational. However, option b. directly relates to rental agreements commonly recognized in insurance terms.
Options a. and d. do not fit the definition of temporary substitutes under typical automotive insurance coverage. Therefore, the answer is both options b and c, but b is the more formal interpretation in insurance terms.
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