(1) “Non-owned car” means a private passenger car, utility car or utility trailer not owned by or furnished or available for the regular use of you or a resident of the same household, provided each use is with the permission of the owner.

(2) “Your insured car” shall also include any other car or utility trailer not owned by or furnished or available for the regular use of you or a relative, while used by you or a relative.

(3) “Uninsured motor vehicle” means a motor vehicle which is not insured by a property damage liability bond or policy at the time of the accident. However, it does not mean:

(a) a hit-and-run vehicle whose operator or owner is unknown; or

(b) a vehicle owned by or furnished or available for the regular use of you or a resident of the same household.

(4) “Loss” means

(a) with respect to your insured car, all risks of physical loss to the car or its equipment;

(b) With respect to a non-owned car, all risks of physical loss or damage to the car excluding mechanical breakdown or wear and tear.

(5) “Audio Equipment” includes AM/FM stereo radios, tape or disc player units, UHF or VHF scanning monitors, two-way radios or telephones and their component parts which are permanently installed in your insured car.

(6) “Collision” means collision of your insured car with another object or upset of your insured car. Loss caused by missiles, falling objects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion, colliding with a bird or animal, or breakage of glass is not deemed loss caused by collision. If breakage of glass results from a collision, however, you may elect to have it treated as loss caused by collision.