Which type of vehicle is not covered under a trucker coverage form?

The trucker coverage form is specifically designed to provide liability protection for businesses that transport cargo by truck. This includes coverage for vehicles used for commercial purposes, such as owned commercial trucks, leased cargo vehicles, and rented delivery vans, all of which are used to carry goods in the course of business.

However, owned private passenger automobiles, which are intended for personal use rather than commercial transportation, do not fall under this type of coverage. The primary purpose of the trucker coverage form is to address the unique risks and liabilities associated with commercial trucking operations. Since passenger autos are not used for business-related hauling of freight or goods, they do not qualify for coverage under this form.

In summary, the exclusion of owned private passenger autos from the trucker coverage form is due to their purpose and usage, which do not align with the coverage aims of this specific insurance product.