What is NOT typically included as coverage under a Personal Auto policy?

In a Personal Auto policy, coverage typically includes liability for bodily injury, medical payments, and damage to personal property in the vehicle. However, liability for high-speed racing is not typically included in a Personal Auto policy because most standard auto insurance policies exclude coverage for any activities that are considered illegal or high-risk. Racing is seen as a deliberate act that increases the likelihood of accidents and damages, and insurers often classify it as an exclusion due to the heightened danger it presents. Consequently, any liability that arises from participating in high-speed racing events would not be covered. This is essential for consumers to understand, as participating in such activities can leave them financially responsible for any injuries or damages incurred during the event.