Final answer:
The distinction between a Business Auto Policy (BAP) and a trucker's policy typically involves coverage area and vehicle types covered. Policy duration is not usually a difference, as both types of policies can have similar terms regarding their effective period.
Step-by-step explanation:
The question asks which of the following is not one of the differences between a Business Auto Policy (BAP) and a trucker's policy. To clarify, the differences typically include the coverage area, the vehicle types covered, and the specific insurance needs related to operations of different vehicle types. However, policy duration is generally not one of the differences, as both policy types can be structured with similar terms regarding their effective periods.
For instance, both BAP and trucker's policies typically cover a term of one year before requiring renewal or review. The coverage area for trucker's insurance often encompasses a wider range because trucking operations may cross state lines and even international borders, whereas BAP might be more localized. Vehicle types covered can vary significantly, as BAPs can include a variety of vehicles used in business operations, while trucker's policies are specifically tailored to cover commercial trucks and tractor-trailers.
Option 4: Policy duration is generally not a distinguishing factor when comparing these two types of policies.