A personal auto policy would be classified as excess when the insured leaves their car where?

In the context of a personal auto policy, a policy is classified as excess when it comes into play under certain conditions of loss. This classification often relates to where the insured vehicle is left when it is not in operation.

When the vehicle is parked in a parking garage, especially one that is paid or secure, it typically represents a higher risk situation because the vehicle is stored in a location where many other vehicles and potentially hazardous activities are present. In such instances, standard coverage may not fully apply, and the personal auto policy would cover excess amounts after any other applicable insurance coverage has been exhausted, thus classified as excess.

In contrast, leaving a vehicle in a driveway, on the street, or in a service station generally does not trigger the same risk exposure as a parking garage. These locations may be considered normal when it comes to parking a vehicle, thus enabling the primary insurance to operate without the need for an excess classification.