Which of the following is considered a personal auto policy exclusion?

A personal auto policy is designed to provide coverage for personal use of a vehicle, and it includes specific exclusions that outline situations or activities that are not covered under the policy. Among the listed options, all are indeed considered significant exclusions:

Using the auto for business purposes typically falls outside the scope of a personal auto policy, as these policies are not intended to cover vehicles used primarily for business activities, such as transporting goods or providing delivery services. For such uses, commercial auto insurance would be more appropriate.

Driving without a valid license is another critical exclusion. Insurance providers expect drivers to hold valid licenses, as this is a standard condition for operating a vehicle legally. If a driver is operating an unlicensed vehicle, liability coverage may be void, as it breaches the conditions of the policy.

Racing or speed testing poses significant risks and is clearly outlined as an exclusion since such activities involve an increased likelihood of accidents and damages. Personal auto policies do not cover incidents that occur during unauthorized high-speed events.

Thus, all these factors collectively contribute to the conclusion that they are part of the exclusion criteria for personal auto policies, reinforcing the importance of understanding the limitations of coverage.