Commercial auto insurance is a type of insurance policy that helps cover vehicles used for business purposes such as cars, trucks, and vans. Commercial auto insurance covers vehicle damage and driver injuries.

Commercial auto policies tend to have higher coverage limits than personal policies, because business vehicles need more protection in case of accidents.

Commercial auto insurance covers business vehicles for things like:

• Damage to your vehicle(s)

• Driver injury

• Injury to someone else

• Damage to someone else's property

Vehicles covered by commercial auto insurance generally include:

• Cars

• Vans

• Pickup trucks

• Box trucks

• Service utility trucks

• Food trucks

In North Carolina (NC), commercial auto insurance is required for vehicles used for business purposes, such as cars, trucks, and vans. This type of insurance helps protect against financial losses from vehicle damage and injuries to drivers or others resulting from accidents involving business vehicles. NC state law mandates that any vehicle registered and used for business must carry a minimum amount of liability insurance. The minimum requirements are $30,000 for bodily injury per person, $60,000 for total bodily injury per accident, and $25,000 for property damage. However, businesses often purchase higher limits to better protect their assets. Commercial auto policies in NC may include coverage for damage to the insured vehicle, medical expenses for the driver, and liability for injury to others and damage to other people's property. The range of vehicles covered can include cars, vans, pickup trucks, box trucks, service utility trucks, and food trucks. It's important for business owners to accurately classify their vehicles and usage to ensure appropriate coverage. Failure to carry the proper insurance can result in fines, penalties, and the suspension of commercial vehicle registrations.