An insured owns and operates a ranch. Which of the following could NOT be insured under a personal auto policy?

A Personal Auto Policy (PAP) is designed to provide coverage for personal vehicles, primarily those that are used for personal, family, or household purposes. The vehicles covered under a PAP typically include cars, motorcycles, and light trucks, but there are limitations on certain types of vehicles.

In this context, a 2-ton truck with a 6,500-pound capacity cannot be insured under a PAP primarily because of its classification as a heavier vehicle that falls outside the definition of a personal vehicle. Most PAP policies have specific weight limits and often do not cover vehicles that are used for commercial purposes or have excessive weight capacities.

The other options fit within the parameters of what a personal auto policy would typically cover. A car with a capacity of 10,000 pounds is too large for personal auto insurance, motorcycles used for personal errands are garden-variety vehicles that are commonly insured, and light trucks used in ranch operations can often be covered under a PAP as long as they are not being used for commercial purposes. Thus, the 2-ton truck stands out due to its size and typical usage, making it incompatible with the standard coverage options of a personal auto policy.