Which of the following is NOT an ISO eligibility requirement for a Personal Auto Policy?

The assertion that commercial vehicles used during business hours do not meet ISO eligibility requirements for a Personal Auto Policy is accurate. The ISO (Insurance Services Office) guidelines establish specific criteria to determine which types of vehicles qualify for coverage under a Personal Auto Policy (PAP).

Personal Auto Policies are primarily designed for personal use vehicles, including private passenger cars and certain light trucks, like pickups and vans that weigh under 10,000 pounds. These policies focus on personal liability and property damage, making them unsuitable for vehicles that are primarily used for commercial purposes.

While vehicles owned by individuals or married couples, as well as private passenger autos, are included in the eligibility requirements, commercial vehicles and those intended for business use generally fall under a different category of coverage, such as commercial auto insurance. This distinction is critical for ensuring that the appropriate insurance coverage aligns with the intended use of the vehicle, as personal auto policies do not adequately cover the risks associated with commercial activities.