If you don’t operate a fleet of business vehicles — or run a business at all — you may never have given commercial auto insurance a thought. However, if you’re regularly using your car for an employer, it’s their responsibility to insure it for work-related driving, whether or not they own the vehicle.

What is the difference between commercial and personal insurance?

A personal auto insurance policy will help protect you, your car, and anyone who may be involved in an accident. A commercial auto policy is needed for any vehicles that you use for business purposes. If you have large tucks or specialty vehicles, then you may need a special insurance policy to adequately protect you.

Do I need both commercial and personal auto insurance?

If you’re the sole owner of the vehicle, personal auto insurance may be enough. However, if the vehicle belongs to a business or to your employer, commercial auto insurance is probably required. There are some exceptions, but this is generally a good rule to follow.

Do you have to get car insurance with a suspended license?

You’ll also have to hundreds or even thousands more for your next car insurance policy. You will almost certainly face an SR-22 requirement – an insurance company’s guarantee to your state that you have the required insurance coverage in place – when you get your driver’s license back.

Can a car insurance company cancel a suspension?

It’s also very likely that your current auto insurance company will cancel or decide not to renew your policy. Your insurer will find out about a license suspension when it pulls your motor vehicle report near renewal time.

Can a car insurance policy be cancelled with an invalid license?

Having an invalid license would certainly mark you as high risk and your policy would be canceled. If you’re an existing customer, the insurer can decide not to renew your policy for virtually any reason. This is different from a cancellation.

Can you get car insurance if you don’t have a license?

Insurance companies calculate rates based on the record of a licensed driver. If you don’t have a license — or at least an imminent reinstatement — you can’t get an insurance policy. That’s a problem. A registered car is required to have liability insurance in every state except New Hampshire.