What is not typically covered by a personal auto policy when using the vehicle for business purposes?

When using a personal auto policy, it is important to understand the limitations of coverage, especially in relation to business activities. Personal auto policies are designed primarily for personal use of the insured vehicle. When a vehicle is utilized for business purposes, certain coverages—like liability coverage for business activities—are generally excluded from a standard personal auto policy. This exclusion is in place because personal auto policies are not intended to cover risks associated with business operations, which often require a commercial auto insurance policy instead.

The reason property damage from personal use is excluded from this question is that personal policies typically provide coverage for damage incurred while driving the vehicle for personal reasons. Similarly, medical payments for accidents and collision damage to personal vehicles are often included in personal policies regardless of the vehicle's use, as these refer to the driver or vehicle's condition in the event of an accident rather than the purpose for which the vehicle is being used. Thus, specific coverage for business-related claims is usually not extended under personal auto insurance, making it crucial for individuals who use their vehicles for work purposes to consider additional commercial coverage options.