* Individuals who use their personal vehicles for business purposes: This includes any time you use your personal vehicle for work-related activities, such as driving to meet with clients or deliver goods.
* Non-profit organizations: This includes any organization that is not-for-profit, such as charities, churches, and schools.
* Government entities: This includes any federal, state, or local government agency.
If you fall into any of these categories, you need to purchase commercial auto insurance. This type of insurance will protect you in the event of an accident, regardless of who is at fault. It can also cover damage to your vehicle, as well as injuries to you and your passengers.
