What is the primary difference between a personal auto policy and motorcycle coverage?

The primary difference highlighted in the correct answer reflects that motorcycle coverage typically does not extend liability protection for non-owned motorcycles. This means that if a policyholder borrows or is involved in an accident with a motorcycle that they do not own, their motorcycle insurance may not provide coverage for any liability arising from that use.

In contrast, personal auto policies generally offer broader coverage that includes liability protection for driving vehicles not owned by the policyholder, but this does not typically apply to motorcycle coverage without specific endorsements. This differentiation is important, as motorcycle riders must be aware of the limitations of their policies to ensure they have adequate protection while operating a motorcycle.

Other options incorrectly suggest different aspects of coverage that do not accurately reflect standard terms within motorcycle insurance versus personal auto policies. For instance, personal auto policies do not exclusively cover commercial vehicles, and while motorcycle coverage might have varying limits of liability, this is not universally true across all policies. Additionally, asserting that there are no differences in coverage is plainly inaccurate as there are distinct policy structures and stipulations unique to each type of vehicle insurance.