State Farm Auto Insurance Practice Test

Which of the following is not eligible for State Farm coverage?

1. Personal vehicles

2. Livery services such as taxis

3. Vehicles for personal errands

4. Recreational vehicles

The correct answer is: Livery services such as taxis

Livery services, such as taxis, are not eligible for State Farm auto insurance coverage because these types of vehicles are used for commercial purposes, which require different insurance policies due to the increased risk associated with transporting passengers for hire. Insurance for vehicles engaged in livery services typically falls under commercial auto insurance, which is designed to cover the unique liabilities and risks of using a vehicle for business operations. In contrast, personal vehicles, vehicles for personal errands, and recreational vehicles are generally eligible for coverage under State Farm's personal auto insurance policy. This policy is tailored to meet the needs of individuals using their vehicles for personal use, providing coverage for accidents, theft, and liability.