What coverage does Darrel's personal auto policy provide for his new pickup truck with a gross vehicle weight of 12,000 pounds?

The correct understanding of this question revolves around the type of vehicles that personal auto policies typically cover. Standard personal auto policies are designed for light-duty vehicles, generally those with a gross vehicle weight rating (GVWR) of no more than 10,000 pounds. Given that Darrel's new pickup truck has a gross vehicle weight of 12,000 pounds, it exceeds this limit.

As a result, the personal auto policy does not automatically extend coverage to vehicles that are outside of the defined parameters set by insurance companies for personal use vehicles. This case illustrates that while Darrel may believe his truck would be covered under the terms of his personal auto policy, the heightened weight classification disqualifies it from automatic liability coverage.

In essence, since the truck's GVWR exceeds what is allowed under a personal auto policy, it results in no automatic coverage being provided for the vehicle. Understanding the importance of vehicle classification helps in grasping why certain vehicles may or may not be automatically included in a personal policy.