Does the personal auto policy cover bodily injury resulting from the operation of a pickup used for farming?

Study for the New York General Adjuster 10-70 Test. Prepare with flashcards and multiple choice questions, each with explanations. Ace your exam!

A personal auto policy generally provides coverage for bodily injury resulting from an insured's operation of a covered vehicle. However, there are specific exclusions when it comes to vehicles used for farming or agricultural purposes. Most standard personal auto policies exclude coverage for vehicles that are primarily used for business purposes, which typically includes farming activities.

As pickups used for farming are often classified as commercial vehicles under most policies, the personal auto policy would not cover incidents resulting from their operation in that context. This aligns with the standard underwriting practices that delineate personal use from commercial or agricultural use. Hence, the correct answer reflects the understanding that a personal auto policy does not extend coverage for bodily injury in scenarios involving farming operations with a pickup truck.

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