What type of coverage may be excluded for vehicles used for business purposes under a Personal Auto policy?

The correct choice is business use coverage because a standard Personal Auto policy is designed primarily for personal use of vehicles and typically excludes coverage for vehicles that are used for business purposes. This applies to situations where the vehicle is used for commercial activities, such as transporting goods, making deliveries, or carrying passengers for a fee.

In these scenarios, liability risks can significantly increase, and standard personal auto policies do not account for this additional risk. Therefore, it is essential for individuals who use their vehicles extensively for business to obtain a commercial auto policy that provides appropriate coverage tailored for business use.

Other types of coverage within a Personal Auto policy, like liability, personal use, and comprehensive coverage, are commonly included but may have limitations. However, they would generally still apply to personal use of the vehicle. The exclusion of business use coverage specifically highlights the policy's intention to only cover cars used for personal reasons, not commercial activities, thereby emphasizing the necessity of a distinct type of coverage for business-related vehicle use.