What’s the difference between commercial auto insurance and personal auto insurance? I’ll give you a hint, it doesn’t have to do with the name you register it under. But, plenty of people will make that mistake and find themselves in trouble because they now lack the proper coverage. Making sure you are properly covered is one our specialties and we’ll come up with an auto insurance plan that will work best for you and your business. That’s why we’ve provided a breakdown of both personal auto insurance and commercial auto insurance below so that you no longer have to worry about whether or not you have the proper plan.
What is personal auto insurance?
It’s exactly what it sounds like. Personal auto insurance packages are designed to cover the operation of your own vehicle (and can also cover your liability when driving a car you do not own). Your own vehicle is used for your own use (i.e. driving to and from work, on road trips, to the grocery store, etc.) We highly recommend that you have some kind of personal auto insurance if you plan on driving. If you don’t have it and get into an accident with a friend’s car you could find yourself paying quite a bit in damages.
What is commercial auto insurance?
Commercial auto insurance is designed to cover both vehicles and people who drive for a living. The insurance package covers everyone from the pizza delivery guy to the tech support van your IT company may own and protects you and your business from financial responsibility in the aftermath of an auto accident. Since commercial auto insurance covers such a wide range of businesses and business needs we strongly suggest that you at least consult an insurance professional before you purchase an insurance package.