Personal Auto compared to commercial auto is a consideration when obtaining vehicle coverage, especially for those self-employed business in Ohio. Typically, your personal auto insurance will not cover claims or accidents to your vehicle in work-related incidents.
Commercial auto insurance will cover the increased liability risks that occur from the daily use for business operations. If you transport supplies/goods or people and an accident occurs, you (and your insurance policy) would be liable for any damages.
There are many differences between commercial and personal auto insurance, but the main differentiation is the extent (higher liability limits, etc) and purpose of coverage. Businesses have many concerns private individuals don't share.
Car insurance companies consider commercial auto insurance and personal car insurance to be very different types of policies due to the differences in liability and risk. Personal auto policies are written with the average person’s needs in mind, while commercial auto policies are designed to address the unique needs and situations that arise from commercial use.
If you have any question as to whether you should have personal or commercial coverage, contact your Moon and Adrion Insurance Agency, Inc agent so you get answers and the appropriate coverage!