* Commercial vehicles: Higher liability coverage limits are typically required for commercial vehicles due to the potential for more significant damages and injuries in accidents involving larger and heavier vehicles.
* Normal vehicles: Lower liability coverage limits may be sufficient for personal vehicles, as the potential damages and injuries are generally less severe.
Physical Damage Coverage:
* Commercial vehicles: Comprehensive and collision coverage are often required for commercial vehicles to protect against damages caused by accidents, theft, vandalism, and other covered perils.
* Normal vehicles: Comprehensive and collision coverage are optional for personal vehicles, and some drivers may choose to forgo these coverages to save on insurance costs.
Cargo Insurance:
* Commercial vehicles: Cargo insurance is typically required for commercial vehicles that transport goods or merchandise. This coverage protects against damages to or theft of the cargo.
* Normal vehicles: Cargo insurance is not typically needed for personal vehicles.
Other Coverages:
* Commercial vehicles: Additional coverages such as non-owned and hired auto insurance, workers' compensation insurance, and general liability insurance may be required or recommended for commercial vehicles and their operators.
* Normal vehicles: These additional coverages are generally not required or recommended for personal vehicles.
Premium Costs:
* Commercial vehicles: Insurance premiums for commercial vehicles are typically higher than premiums for personal vehicles due to the increased risks associated with commercial vehicles.
* Normal vehicles: Insurance premiums for personal vehicles are generally lower due to the lower risks involved.
