The phrase "personal auto" means a car or vehicle that is owned by an individual for their personal use. It is not used for business or commercial purposes.
Liability limits and other coverage needs are different from personal auto insurance policies. (newventureinsurance.com)
A few car insurance companies are starting to develop endorsements for personal auto policies that, for an additional premium, will waive this exclusion. (bankrate.com)
For instance, many states allow insurers to consider age, sex and marital status in the rating of personal auto coverage. (thebalance.com)