Private Passenger Vehicle

This is a vehicle not used as a commercial vehicle. For example, if a pick up truck is used as a family vehicle, it is considered a private passenger vehicle. However, if this same pick-up truck is used as to carry tools and equipment to the job site then it is considered a commercial vehicle.

It is notable that it is the type of vehicle that determines the classification. There is always exceptions and one would be very heavy trucks which is classed as commercial, even if the use if personal.

Full disclosure is always best and then the underwriter can make a decision as to what is the correct classification for your vehicles.