Which of the following is not considered a covered auto?

A pickup truck used in any business is not considered a covered auto under typical personal auto insurance policies. This is because personal auto policies are designed primarily for vehicles used for personal, non-business purposes. When a vehicle, such as a pickup truck, is used primarily for business activities, it may require a different type of policy, such as a commercial auto insurance policy. Therefore, since the pickup truck is designated for business use, it falls outside the scope of the coverage provided by a personal auto insurance policy.

In contrast, the other options are typically covered vehicles under a personal auto policy. A passenger car owned by the insured is a standard covered vehicle, as is a rental car that the insured has temporarily rented. Additionally, motorcycles used for personal purposes are also generally included in the coverage, provided the policyholder has the necessary endorsements or coverage for motorcycles. This differentiation is crucial for understanding insurance coverage and its limitations in relation to vehicle use.