Which vehicle type is not eligible for coverage under a personal auto policy?

Motorcycles are typically not eligible for coverage under a personal auto policy. Personal auto policies are designed to provide coverage for private passenger vehicles, which usually include cars, station wagons, SUVs, and similar vehicles. While some insurance companies may offer endorsements or specific policies tailored for motorcycles, they are generally considered a different class of vehicle and require a motorcycle-specific policy to meet the unique risks and coverage needs associated with them.

In contrast, farm pickups and station wagons fall under the category of passenger vehicles that can be covered under a standard personal auto policy, assuming they meet the definition of a covered auto in that policy. A Jeep, which is often viewed as an SUV or multipurpose vehicle, is also typically eligible for coverage under a personal auto policy as long as it is utilized in a manner that aligns with personal use rather than commercial purposes. Therefore, motorcycles must be insured separately, thereby rendering them ineligible under standard personal auto policies.