Personal car insurance policies often exclude coverage for what in the event of an accident?

Personal car insurance policies typically exclude coverage for commercial activities because these policies are designed for personal use rather than business purposes. When a vehicle is used for commercial reasons—such as transporting goods, passengers for a fee, or other business-related tasks—this can significantly increase the risk associated with the vehicle's operation. As a result, insurance companies often exclude any claims arising from such activities under standard personal auto insurance policies. To have coverage for commercial use, it is necessary to obtain a specific commercial auto insurance policy, which is tailored to address the unique risks associated with business-related driving.

In comparison, options related to rental car use, recreational vehicle use, and family members driving typically have different considerations in most insurance policies, often providing some form of liability coverage or requiring an endorsement for specific scenarios.