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What is the main distinction between a hired auto and a non-owned auto quizlet?

I'd like to ask this question from monas insurance subject

The question was posed to me in an international level competition.

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Which of the following endorsements provides coverage when employees are using their own vehicles in the course of the insured's business?

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What is hired auto coverage?

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Correct answer is: Note: The main distinction between a hired and a nonowned auto is whether an employee owns the auto. Coverage is provided for bodily injury or property damage caused by an accident for which the insured is legally responsible.

The title of my answer can be Business Auto Coverage Flashcards & Practice Test | Quizlet

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