Which situation would NOT typically result in the insurer being liable?

The situation that would not typically result in the insurer being liable involves engaging in racing or speed testing. Under most insurance policies, coverage is provided when the insured vehicle is used for purposes that align with what is specified in the policy document. Racing or speed testing, however, represents a reckless and unauthorized use of the vehicle, often considered a breach of the policy terms. Insurers usually exclude these types of activities from coverage because they significantly increase the risk of loss or damage.

Choosing to engage in racing or speed testing puts the vehicle and driver in a high-risk scenario that is not supported by the standard terms of an auto insurance policy. Insurers typically define acceptable uses for the vehicle, and activities such as racing fall outside this definition. In contrast, the other situations mentioned—use of the vehicle as specified in the policy, accidents during regular commuting, and use of the vehicle with proper permissions—align with typical underwriting guidelines and would generally be within the scope of coverage, making an insurer liable under those circumstances.