Under the motor vehicle liability second part, which vehicle may still have liability and medical payments coverage despite the first part exclusion?

• A. A vehicle designed to assist handicapped persons
• B. A vehicle used to race on a track
• C. A vehicle used to transport goods for hire
• D. Any vehicle stored at insured location

Answer: (A)

Under Part Two, liability and medical payments coverage are available for many auto-related incidents, but there are exclusions tied to how a vehicle is used. The exception that keeps coverage in place is for a vehicle designed to assist handicapped persons. These specialized mobility devices aren’t treated like ordinary passenger or commercial vehicles, so they remain eligible for liability and medical payments coverage under the second part of the policy.

Racing a vehicle is a use typically excluded from Part Two, so it wouldn’t have coverage. A vehicle used to transport goods for hire falls under an exclusion for vehicles used in hire or business use. And simply being stored at the insured location isn’t a usage scenario that triggers liability or medical payments coverage.