What type of vehicle usage is excluded in Part B of the Personal Auto Policy?

Part B of the Personal Auto Policy typically covers medical payments for bodily injury sustained by the insured or passengers in the insured vehicle, regardless of who is at fault. However, certain types of vehicle usage are excluded to limit the insurer's exposure to high-risk situations. Business use is one of those exclusions because when vehicles are used for business purposes, the risk profile changes significantly. Business use can include things like delivery services, which carry a higher risk of accidents and injuries due to increased vehicle usage and time spent on the road.

In contrast, personal transport, traveling for recreational purposes, and family vacations are usually considered lower risk and are generally covered under a Personal Auto Policy. This is why the exclusion of business use in Part B is crucial for maintaining the integrity and premium structure of the policy, ensuring it remains focused on personal rather than commercial risks.