Is the use of a Personal Auto Policy limited to personal use only?

The Personal Auto Policy (PAP) is designed specifically for personal use of vehicles, which means it typically covers personal driving activities like commuting to work, running errands, or recreational trips. While this policy provides essential coverage for personal scenarios, it does not extend to commercial use, which can involve activities like driving for work, delivering goods, or other business-related functions.

This distinction is crucial because commercial activities often require different types of insurance policies that cater to the unique risks associated with business use. Therefore, anyone using their vehicle primarily for business purposes would need a commercial auto policy rather than relying on a personal auto policy. This ensures comprehensive coverage tailored to the specific needs and liabilities of commercial driving, which are not adequately addressed by a PAP.

In summary, the primary focus of a Personal Auto Policy is personal vehicle use, making the assertion that it generally covers only personal use while excluding commercial use the correct interpretation of the policy's intent.