Personal Auto vs. Commercial Auto

Personal auto insurance is generally built around everyday life: commuting, family trips, errands. Commercial auto conversations start when a vehicle is used for work, carrying tools, making deliveries, visiting job sites or serving clients.

The line is not always obvious. A van registered in your own name but used for your trade, for example, sits in a situation with its own rules, and pretending it is purely personal can create problems later.

What matters most: how the vehicle is used, who owns it on paper, and who drives it. Those three answers usually point to the right conversation.

Not sure which side you're on? Talk to our team, in your language.

This guide is educational and general in nature. It is not legal advice, does not promise coverage and does not replace a conversation with a licensed professional.