According to New York law, how is a "private passenger automobile" defined?

The definition of a "private passenger automobile" under New York law specifically emphasizes the criteria pertaining to ownership or lease, the number of wheels, and weight restrictions. A private passenger automobile is defined as any four-wheeled motor vehicle that is either owned or leased, and has a gross vehicle weight rating of less than 6,500 pounds when unloaded. This definition is important because it delineates the vehicles that fall under certain insurance policies, regulations, and liability considerations within the state.

The weight limit is significant as it categorizes vehicles suitable for personal use, primarily designed for transporting passengers rather than cargo or commercial purposes. Consequently, this ensures that vehicles that are relatively lighter and meant for personal transportation, as opposed to heavier vehicles often used for commercial purposes, are included in this classification. The ownership or leasing aspect also highlights that the definition applies to individuals who have a direct financial stake in the vehicle, ensuring coverage protection aligns with the vehicle's intended personal use.

The other options do not adequately encapsulate the legal definition as laid out in New York law and either lack specificity or misinterpret the criteria necessary to accurately classify a private passenger automobile.