Which of the following does not typically fall under personal auto coverage?

The correct answer is that commercial vehicles do not typically fall under personal auto coverage. Personal auto coverage is designed for vehicles that are used primarily for personal use, which includes personal trucks, vans, and even trailers when they are utilized in a personal context.

In contrast, commercial vehicles are used primarily for business purposes, such as delivery, transporting goods, or providing services. Because these vehicles serve different functions and carry distinct risks associated with business operations, they require a specifically tailored commercial auto insurance policy. This policy takes into account factors like higher liability exposure, different usage patterns, and the nature of the business involved, which are not addressed by personal auto coverage.

By understanding this distinction, one can appreciate why commercial vehicles are excluded from personal auto insurance policies, allowing for appropriate coverage that meets the specific needs of businesses and protects them effectively.