What area is specifically excluded from coverage under most commercial auto insurance policies?

International travel is specifically excluded from coverage under most commercial auto insurance policies because these policies are designed to provide coverage within specific geographic boundaries, typically limited to the United States, its territories, and Canada. Most insurers do not extend coverage to vehicles used outside these regions due to varying laws, regulations, and the complexity of international driving and insurance requirements. This exclusion helps prevent the complications that can arise from claims made in foreign jurisdictions, where different legal systems and standards may apply.

Personal use of commercial vehicles, rural areas, and operating in high-risk zones may still be covered under certain circumstances, depending on the specifics of the policy and endorsements applied. However, for international travel, the limitation is clear and universally applied across most commercial auto policies.