State Farm Auto Insurance Practice Test

What is a common feature of commercial vehicles in insurance policies?

1. They are primarily intended for personal use.

2. They are manufactured as a cab and chassis only.

3. They possess antique classifications.

4. They have unlimited mileage coverage.

The correct answer is: They are manufactured as a cab and chassis only.

The correct answer is that commercial vehicles are typically manufactured as a cab and chassis only. This reflects the nature of commercial vehicles, which are designed for various types of utility and often require customization based on their specific commercial use. This means that many of these vehicles start as a basic cab and chassis configuration, allowing businesses to add different types of cargo bodies, work platforms, or specialized equipment according to their operational needs. The other choices do not accurately represent common features of commercial vehicles. Vehicles being primarily intended for personal use does not align with their commercial design; rather, personal vehicles are distinct in that regard. Having antique classifications typically applies to classic cars and does not pertain to the modern-day commercial vehicles used today. Unlimited mileage coverage is also not a common feature for commercial vehicles as insurers often put mileage limits based on expected use and potential wear and tear, thus making that choice less applicable.