--- title: Personal vs. Commercial Vehicle Insurance description: If you use a vehicle to run your business you need commercial vehicle insurance. Don't take chances! Reading, Philadelphia, Lehigh Valley & beyond. image: https://www.aigltd.com/hs-fs/file-865117921-jpg/images/personal-insurance-vs-commercial-vehicle-insurance-coverage.jpg --- - [Home](https://www.aigltd.com/) | - [Contact Us](https://www.aigltd.com/contact/) | - [Blog](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa) ![Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance](https://www.aigltd.com/hs-fs/hubfs/PA-Insurance-for-Business-Car-Life-House-Health.jpg?width=1020&name=PA-Insurance-for-Business-Car-Life-House-Health.jpg "Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance") [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo1.png?width=690&name=Mobile-logo1.png)](https://www.aigltd.com/) [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo2.png?width=690&name=Mobile-logo2.png)](https://www.aigltd.com/) # Insurance Savings and News You Can Use Join the Conversation! ## Personal vs. Commercial Vehicle Insurance Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Mon, Jun 02, 2014 - [Tweet](https://twitter.com/share) ![You need commercial vehicle insurance if you have a business-related accident. In those cases personal vehicle insurance will not cover the accident. Call us to learn more about commercial car, truck, and fleet insurance for your business. Serving Reading, Philadelphia, Lancaster, Harrisburg, Erie, Altoona, York, Allentown, Pittsurgh, PA and beyond.](https://www.aigltd.com/hs-fs/file-865117921-jpg/images/personal-insurance-vs-commercial-vehicle-insurance-coverage.jpg)Picture this: a pizza delivery guy, a shuttle driver (sole-proprietor of the business), and an independent landscaping contractor collide into each other at the intersection of First and Main. As they all get out of their vehicles to examine the damage, the delivery man asks, “Do you guys have commercial vehicle insurance?”   Both drivers shake their heads no.  “Do you?” asks the shuttle driver.  The delivery man looks down at his feet, and says, “No, but I’ve been meaning to talk to my insurance agent about it.”  ### **Insurance Claim Denied** In this scenario, chances are that all three would hear the same answer from their insurance agent, “Sorry, but your personal vehicle insurance won’t cover this accident.”   If you own a fleet of vehicles and hire many drivers, you probably know you need commercial vehicle insurance.  But what if you just use your personal vehicle for business occasionally, or it’s just you driving your truck from job to job?   Won’t personal car insurance cover you in the event of an accident? * It depends. * Like personal vehicle insurance, commercial vehicle insurance covers things such as liability, collision, comprehensive, medical payments, and uninsured motorist coverage. However, there may be a difference in eligibility, definitions, coverage, exclusions, and limits. Certain business usage and vehicle types can be excluded from personal policies. Some businesses need coverage only found in commercial car and truck insurance.  ## **Commercial Vehicle Insurance Benefits** Commercial vehicle insurance generally includes higher liability coverage.  Sometimes commercial insurance also insures the items (such as work equipment) within your vehicle; it may include rental reimbursement to help cover the cost to temporarily replace a commercial vehicle; and it may offer single-deductible options, which allow you to extend coverage to trailers or other specialized equipment you haul.  So, how do you know if you need commercial vehicle insurance or if personal vehicle insurance is enough? It depends on the nature of your business, how you use your vehicle, and your insurance company’s policies.  Here are a few questions you need to consider - if you answer yes to any of them, you may need commercial car insurance. ·       Is your vehicle used to transport goods or people for a fee? ·       Is your vehicle owned or leased by a partnership or corporation? ·       Is your vehicle registered or titled to a business, corporation, partnership, or DBA? ·       Do employees operate your vehicle? ·       Is your vehicle a pickup, van, or utility vehicle with a gross weight exceeding 10,000 pounds or does it have a rated load capacity over 2,000 pounds? ·       Is your vehicle equipped with snowplow equipment, cooking or catering equipment, bathrooms, altered suspensions, hydraulic lifts, or racing equipment? ·       Is your vehicle equipped with a ladder rack or permanent toolbox that is used for your business?   ### **Don't Take Chances on Insurance for Your Commercial Vehicle - Contact Us Today** [![Contact us to make the right decision on your commercial or personal vehicle insurance needs and coverage.](https://www.aigltd.com/hs-fs/file-865117921-jpg/images/personal-insurance-vs-commercial-vehicle-insurance-coverage.jpg?width=125&height=80&name=personal-insurance-vs-commercial-vehicle-insurance-coverage.jpg)Personal vehicle insurance](https://www.aigltd.com/cheap-car-insurance-quotes-auto-motorcycle-pennsylvania/) provides enough coverage for some businesses; however, there are times when [commercial vehicle insurance](https://www.aigltd.com/commercial-vehicle-insurance-reading-pa/) is required.  If you don’t want to be like the pizza delivery driver, the shuttle driver, or the independent landscaping contractor in our story, [**contact us**](https://www.aigltd.com/contact/) for advice in making the right insurance decision at **(800) 947-1270** or **(610)775-3848**.  We'll help you obtain the right type and level of vehicle insurance for your business.  Tags: [Car Insurance Harrisburg PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-harrisburg-pa), [Car Insurance Lancaster PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-lancaster-pa), [Commercial Vehicle Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-vehicle-insurance), [truck insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/truck-insurance), [Car Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance), [Car Insurance Reading PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-reading-pa), [Car Insurance Allentown PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-allentown-pa), [Car Insurance Philadelphia PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-philadelphia-pa), [commercial vehicle insuarance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-vehicle-insuarance), [Business Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance) ### Why Customers Love and Trust Us! ### Subscribe to Receive Helpful Blog Posts Get the Right Coverage and Save Big with American Insuring Group!   [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg?width=300&height=154&name=Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg "Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg")](https://www.aigltd.com/cheap-car-insurance-quotes-auto-motorcycle-pennsylvania)   [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-House-Insurance-btn-300b.jpg?width=300&height=202&name=Affordable-House-Insurance-btn-300b.jpg "Affordable-House-Insurance-btn-300b.jpg")](https://www.aigltd.com/homeowners-renters-house-insurance)     [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Life-Insurance-btn-300-1.jpg?width=300&height=210&name=Affordable-Life-Insurance-btn-300-1.jpg "Affordable-Life-Insurance-btn-300-1.jpg")](https://www.aigltd.com/life-insurance-quotes-term-life-insurance-whole-life-insurance-cheap-life-insurance)     [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Health-Insurance-btn-300.jpg?width=300&height=214&name=Affordable-Health-Insurance-btn-300.jpg "Affordable-Health-Insurance-btn-300.jpg")](https://www.aigltd.com/health-insurance)   [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Business-Insurance-btn-300.jpg?width=300&height=235&name=Affordable-Business-Insurance-btn-300.jpg "Affordable-Business-Insurance-btn-300.jpg")](https://www.aigltd.com/commercial-insurance-small-business) ### Latest Posts ### Posts by Category - 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