Which of the following would not be covered by a personal automotive liability policy?

A personal automotive liability policy typically covers vehicles that are owned or leased by the insured, as well as certain liabilities arising from using other vehicles with the owner's permission. The correct reasoning for why a 350 cc motorcycle would not be covered stems from the specifics of what the policy defines as an "automobile."

Most personal automotive liability policies distinctly cover passenger vehicles, trucks, and other standard vehicles; however, they often exclude certain types of vehicles, including motorcycles, unless specifically endorsed or included in the policy. In this case, the motorcycle does not fit into the standard automobile category that the policy is designed to protect, which is why it would not be covered under a personal automotive liability policy.

In contrast, vehicles owned by the insured, rental cars, and borrowed vehicles for which the insured has permission usually fall under the purview of the policy, providing liability protection in those situations. This distinction helps outline the specific limitations of coverage within personal automotive policies, reinforcing the importance of understanding the details of what is insured.