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

A common exclusion in a Personal Auto Policy is indeed acts of nature, such as floods or earthquakes. These perils are typically not covered under standard auto insurance policies because they fall outside the scope of typical vehicle-related claims. Instead, they are often covered under separate property or flood insurance policies, which are specifically designed to handle losses due to natural disasters.

The reason this exclusion is significant is that personal auto policies are primarily designed to cover liabilities and damages arising from vehicle usage rather than environmental catastrophes. Consequently, if your vehicle is damaged by a flood or an earthquake, you would generally need to rely on other types of insurance to cover those damages.

The other choices represent scenarios that could be covered or are not typical exclusions. For instance, driving a company vehicle may be covered if it falls under the policy's rules for authorized drivers, but is often included under business auto insurance. Accidents occurring during authorized vehicle use are typically covered, while medical expenses for injuries to passengers would generally be covered under the Personal Injury Protection or Medical Payments provisions of the policy.