Which type of coverage applies automatically to insureds while driving cars not owned by them?

The correct answer is extended nonowned coverage. This type of coverage is specifically designed for situations in which an insured operates a vehicle not owned by them, such as a rented car or a borrowed vehicle. Extended nonowned coverage provides liability protection, paying for damages or injuries resulting from an accident that occurs while driving a nonowned vehicle.

This ensures that the insured is protected even when they are using someone else's vehicle, which is a common need for many drivers. It fills the gap that might arise if the vehicle itself does not have adequate insurance or if the driver's personal auto policy does not extend coverage to nonowned vehicles.

The other options do not specifically address the scenario of driving nonowned vehicles. Standard coverage generally pertains to vehicles that the insured owns or leases. Personal injury coverage focuses on medical expenses resulting from an accident and does not cover liability for damage to other vehicles. Comprehensive auto coverage typically includes protection against non-collision-related incidents, such as theft or damage from weather-related events, but it does not cover liability when driving a vehicle not owned by the insured.