Under a commercial auto policy, which third-party claim would NOT be covered?

The correct answer indicates that a claim occurring a week after products were delivered would not be covered under a commercial auto policy. This is because commercial auto policies primarily provide coverage for incidents that occur during the operation or use of the vehicle itself, typically while in transit or during direct loading/unloading activities. Once the products are delivered and the vehicle is no longer involved in the transportation or loading/unloading process, liability associated with those products generally shifts to other forms of insurance, such as general liability or product liability insurance.

In contrast, claims that occur during loading in a warehouse, while using a mechanical device to load the truck, or from a truck being unloaded by hand are typically within the operational scope of the vehicle usage outlined in commercial auto policies. These scenarios involve direct interactions with the vehicle during the transportation cycle, thus maintaining coverage under the policy's terms.