# Property & Casualty Exam Prep 33, Personal Auto Exclusions

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-33-personal-auto-exclusions
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-33-personal-auto-exclusions.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-07-05T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/eac41950-693d-4973-8dc6-71b914440a1b.mp3
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Duration seconds: 127

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That the personal auto policy excludes intentional acts because insurance is designed to cover accidents, not deliberate harm. - How to distinguish between permissible business use and the excluded activity of using a vehicle as a public or livery conveyance for a fee. - Why coverage is denied for any person using a vehicle without a reasonable belief that they are entitled to do so. - The reason vehicles furnished or available for an insured's regular use, such as a company car, are not covered under a personal auto policy. - That participation in any prearranged racing or speed contest is a standard exclusion that will be tested with scenario-based questions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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