Fine art, much like the much simpler form of the word "art" is always going to be subjective. However, how it is displayed/presented, can sway most peoples perception. Also, there are different papers (like rag paper) often used in fine art printing. You most likely would not use these papers for standard run of the mill stuff like family portraits. I also think a BIG thing that seperates fine art, is an attempt to evoke some sort of an emotional response from the viewer. Whether it is loneliness, happiness, love, amazement etc. A cool shot of a ferrari parked on a black reflective surface doesnt really scream fine art to me, because I see no emotional attachment. While you may be able to frame it and mount it as ART, in my own personal view, it would not even remotely be "fine art"