What types of vehicles does a Personal Auto Policy cover?

A Personal Auto Policy (PAP) is designed to provide coverage for personal vehicles, which typically includes cars, trucks, vans, and other vehicles used primarily for personal, non-commercial purposes. The policy covers private passenger vehicles, as well as certain types of recreational vehicles, but it primarily focuses on vehicles that are used for everyday personal transportation.

The correct answer highlights that a Personal Auto Policy covers personal vehicles, specifically excluding recreational vehicles. While recreational vehicles can sometimes be covered under a Personal Auto Policy, in many cases they require separate specific coverage. The distinction is important because a Personal Auto Policy is generally not tailored for commercial use or vehicles primarily used for business activities.

This means that while option B captures the essence of the coverage provided by a Personal Auto Policy by focusing on personal vehicles, it correctly emphasizes the exclusion of recreational vehicles when considered in a broader context. This helps clarify the primary purpose of the Personal Auto Policy, which is to protect individuals when using their vehicles for personal purposes rather than commercial or specialized uses.