Which of the following is an exclusion under Part B of the Personal Auto Policy?

Under Part B of the Personal Auto Policy, which typically covers medical payments for injuries sustained in an auto accident, vehicles must meet certain criteria to be eligible for coverage. An exclusion is applied to vehicles with less than four wheels. This means that any vehicle that does not have the standard four-wheel configuration, such as motorcycles or other similar vehicles, is not covered under this part of the policy.

The rationale for this exclusion mainly relates to the different risk profiles and types of injuries associated with two-wheeled vehicles compared to standard passenger vehicles. Motorcycle riders and their passengers are subject to different safety and liability considerations, leading to different forms of insurance policies that specifically address those risks.

In contrast, private passenger vehicles and trailers would generally not be excluded under Part B, as they typically meet the policy requirements for coverage, specifically the four-wheel criteria. Motorcycles, while not covered under this part, form a separate category of vehicle typically addressed elsewhere in insurance policies.