What type of vehicle is covered under a personal auto policy?

A personal auto policy typically covers any vehicle that is specifically listed on the declaration page of the policy. This declaration page serves as the official record of which vehicles are insured under the policy, outlining the coverage limits and any specific details related to those vehicles. By including the details of each covered vehicle, the policy ensures that both the insurer and the insured have a clear understanding of what is protected under the terms of the policy.

The other options do not accurately represent the coverage provided under a personal auto policy. For instance, while rental vehicles may have some coverage under specific circumstances, they are not universally included unless explicitly stated in the policy. Similarly, vehicles used solely for commercial purposes are typically not covered under a personal auto policy, as separate commercial auto insurance is generally required. Lastly, restricting coverage to only motorcycles and trucks overlooks the broader scope of vehicles that can be insured, which can include sedans, SUVs, and other types of vehicles as long as they are properly listed on the declaration page.