Which of the following is a characteristic of the personal auto policy?

The personal auto policy is designed to provide coverage for vehicles that are owned by individuals for personal use. One of its primary characteristics is that it extends coverage to a variety of individual-owned auto types, which includes passenger cars, pickups, and vans. This is significant because it allows individuals to insure their personal vehicles, which may be used for daily activities, recreation, or personal errands.

The policy specifically caters to the personal use of these vehicles rather than business use, which is an important distinction. While some personal auto policies may provide limited coverage for business use under specific conditions, they are not intended to cover any auto used primarily for business purposes, which is a crucial factor in understanding the intended use of the policy.

Additionally, the personal auto policy does not apply to all vehicles or only commercial vehicles; it is tailored for personal, individual vehicles rather than vehicles used for commercial enterprise. Hence, option C accurately reflects a core characteristic of the personal auto policy.