Which vehicle is NOT excluded from coverage under medical payments coverage in the personal auto policy?

Medical payments coverage in a personal auto policy is designed to cover medical expenses for the insured and their passengers after an automobile accident, regardless of who is at fault. Certain vehicles are specifically excluded from this coverage.

The vehicle that is not excluded from medical payments coverage is typically one that is classified as a personal vehicle and not used for commercial purposes or other non-personal practices. In this case, a sports car borrowed from its owner would generally still be considered a personal vehicle. Therefore, it remains eligible for coverage under medical payments provisions, as it meets the personal use requirement.

In contrast, a motor home used as a residence might be excluded because it doesn't meet the criteria of a standard personal auto. Similarly, a three-wheeled all-terrain vehicle is often excluded due to its classification outside standard passenger vehicles. Lastly, a limousine used in a livery service is excluded since it is utilized for commercial transportation purposes rather than personal use. These exclusions reflect the nature of the vehicle's use as stated in the personal auto policy.