RVs: endorsements, such as the Miscellaneous Type Vehicle Endorsement, can be added to a Personal Auto Policy to cover recreational vehicles. Coverage is not automatic; the RV has to be added. Once an RV is added to the PAP, the existing coverage of the PAP extends to it. A commercial policy is not needed for a motor home used for family trips.

Private passenger vs. commercial: Vehicle Code §260(a) defines a commercial vehicle by what it does, transporting persons for hire, compensation or profit, or being designed, used or maintained primarily to transport property. Section 260(b) says passenger vehicles and house cars not used to carry persons for hire are not commercial vehicles. A house car (§362) is a motor vehicle designed or permanently altered and equipped for human habitation. RVs are generally both designed and used as private passenger vehicles, and the CDI outline adds that a three-axle RV is not a commercial vehicle and meets the private passenger definition in Insurance Code §660(a)(1). The axle count does not decide it.

Motorcycles: the standard PAP is written for four-wheel private passenger autos and withholds liability and medical payments coverage for a vehicle with fewer than four wheels. California's Insurance Code draws the same line: an "automobile" in §11580.06(d) has neither more nor less than four wheels. Under Vehicle Code §400, a motor vehicle with a seat or saddle for the rider, designed to travel on not more than three wheels, is a motorcycle. The CDI outline says motorcycles generally are not covered by a PAP and generally cannot be added by endorsement, so a vehicle with fewer than four wheels is usually insured under a separate specialty motorcycle policy. Section 660(a)(3) lists a motorcycle among the vehicles a personal policy can cover.

Specialty motorcycle policies may limit medical payments and uninsured motorist coverage (CDI outline). Riders have no vehicle body around them, so injuries can be severe. Uninsured motorist coverage is not banned, though: Insurance Code §11580.2(a)(1) requires it in a bodily injury liability policy on any motor vehicle unless it is deleted in writing.