Which of the following is a common exclusion in a Personal Auto Policy?

Coverage for vehicles used for business purposes is a common exclusion in a Personal Auto Policy. This exclusion stems from the fact that personal auto insurance is generally designed to cover personal driving activities rather than business-related scenarios. When a vehicle is used for business purposes, the risks are higher, and the coverage requirements may differ significantly from those in personal use. As a result, individuals who use their vehicles primarily for business should seek a commercial auto policy that is better suited to provide the necessary coverage and protection for business-related driving activities.

In contrast, coverage for personal use of a vehicle, coverage for family members driving the insured vehicle, and coverage for vehicles insured under another policy are generally not excluded by a Personal Auto Policy. The policy typically covers personal use, extends to family members, and includes vehicles listed in a primary policy. Understanding these distinctions helps ensure appropriate insurance coverage and adherence to policy terms.