What type of vehicle will automatically be excluded from coverage due to weight limits under the PAP?

The correct answer is that vehicles over 10,000 pounds gross weight are automatically excluded from coverage under the Personal Auto Policy (PAP). This exclusion is based on the fact that the PAP is designed to cover private passenger vehicles. When a vehicle exceeds the specified weight limit, it typically falls outside the categories of vehicles that the PAP is intended to insure.

Vehicles over this weight limit, such as large trucks and commercial vehicles, require different types of insurance policies that are specifically designed to cover the risks and liabilities associated with heavier and often commercial use. The PAP’s limitations on weight ensure that the coverage remains focused on personal use vehicles that do not exceed those parameters, maintaining a clear distinction between personal auto insurance and commercial or specialty vehicle insurance.