In BAP, the term 'Auto' includes which of the following?

• A. A land motor vehicle, trailer or semi-trailer designed to travel on public roads and subject to financial responsibility law
• B. A bicycle used for deliveries
• C. A boat used for business operations
• D. A stationary sign mounted on a vehicle

Answer: (A)

The main concept being tested is what counts as an Auto under a Commercial Auto Policy. Auto coverage in the BAP applies to land motor vehicles, trailers, or semi-trailers that are designed to travel on public roads and that are subject to financial responsibility laws. This means typical business vehicles like company cars, trucks, and the trailers used with them.

Bicycles used for deliveries don’t fit this definition because they are not motor vehicles designed for use on public roads and aren’t generally subject to the same financial responsibility requirements. Boats are watercraft and fall outside the road-vehicle scope of Auto coverage. A stationary sign mounted on a vehicle isn’t itself a vehicle, so it isn’t included as Auto.

So the option that matches the Auto definition is a land motor vehicle, trailer, or semi-trailer that travels on public roads and is subject to financial responsibility law.