Final answer:
A two-ton van used in part-time business is generally not covered under a personal auto policy because vehicles used for business purposes typically require a separate commercial auto insurance policy.
Step-by-step explanation:
In the context of car insurance and what is covered under a personal auto policy, certain types of vehicles and uses may not be covered. Typically, personal auto policies are designed to cover private passenger vehicles used for personal use. Options 1) private passenger vehicle and 2) one-half ton pick-up truck used on a farm, are generally covered by a personal auto policy. A trailer is also generally covered if it is used for personal purposes and is towed by a vehicle covered under the policy.
However, 3) a two-ton van used in part-time business may not be covered under a personal auto policy because it is used for commercial purposes. Vehicle usage for business can introduce different risks and insurance companies typically require a separate commercial auto insurance policy for such vehicles.