What is classified as a "covered auto" under a Personal Auto Policy?

A "covered auto" under a Personal Auto Policy specifically includes private passenger autos and vehicles of a similar weight. This category encompasses a range of vehicles such as cars, trucks, vans, and SUVs, provided they are used primarily for personal purposes. The definition is structured to ensure that the policyholder is adequately protected while driving these common types of vehicles.

The classification of a vehicle as "covered" takes into account its weight and use. While some policies might extend to additional types of vehicles, the foundational understanding is that it primarily protects personal, light-duty vehicles. This focus helps tailor the policy to suit the needs of the average driver, who typically uses personal vehicles rather than commercial or specialized vehicles.

Understanding this classification is crucial, as it informs policyholders about the extent of their coverage and the types of vehicles they can operate under their Personal Auto Policy without facing potential gaps in liability or physical damage coverage.