Does Commercial Auto Insurance Cover Personal Use
Does Commercial Auto Insurance Cover Personal Use Commercial auto insurance can cover personal use of vehicles, but the specifics depend on the policy terms and the nature of the vehicle's use. Generally, if a vehicle is owned by a business and insured under a commercial auto policy, it is protected for both business and authorized personal use by employees or the named insured. Coverage of Personal Use Under Commercial Auto Insurance Commercial auto insurance primarily covers vehicles used for business activities, such as transporting goods, visiting client sites, or delivering services. However, many policies also extend coverage to personal use of those vehicles by authorized users, provided the use is permitted by the business owner. This means if an employee or business owner drives a company vehicle for personal errands or commuting occasionally, the commercial policy often covers accidents or damages during such personal use. ^1 ^7 Important Distinction: Commercial vs. P...