{"id":5545,"date":"2020-07-12T11:54:53","date_gmt":"2020-07-12T11:54:53","guid":{"rendered":"https:\/\/cometinsure.com\/blog\/?p=5545"},"modified":"2020-10-19T11:52:31","modified_gmt":"2020-10-19T11:52:31","slug":"personal-auto-vs-commercial-auto-insurance","status":"publish","type":"post","link":"https:\/\/cometinsure.com\/blog\/personal-auto-vs-commercial-auto-insurance\/","title":{"rendered":"Personal Auto Vs Commercial Auto Insurance; Which One Do I Need?"},"content":{"rendered":"<div  class=\"tatsu-ggau0nu5jl1r4aa8 tatsu-section  tatsu-bg-overlay   tatsu-clearfix\" data-title=\"\"  data-headerscheme=\"background--dark\"><div class='tatsu-section-pad clearfix' data-padding='{\"d\":\"15px 0px 15px 0px\"}' data-padding-top='15px'><div class=\"tatsu-row-wrap  tatsu-wrap tatsu-row-one-col tatsu-row-has-one-cols tatsu-medium-gutter tatsu-reg-cols  tatsu-clearfix tatsu-ggau0nu5tzehhx2n\" ><div  class=\"tatsu-row \" ><div  class=\"tatsu-column  tatsu-bg-overlay tatsu-one-col tatsu-column-image-none tatsu-column-effect-none  tatsu-ggau0nu63l6ab2m8\"  data-parallax-speed=\"0\" style=\"\"><div class=\"tatsu-column-inner \" ><div class=\"tatsu-column-pad-wrap\"><div class=\"tatsu-column-pad\" ><div  class=\"tatsu-module tatsu-text-block-wrap tatsu-ggau0nu6cn5r1cm5  \"><div class=\"tatsu-text-inner tatsu-align-center  clearfix\" ><style>.tatsu-ggau0nu6cn5r1cm5.tatsu-text-block-wrap .tatsu-text-inner{width: 100%;text-align: left;color: rgba(0,0,0,1) ;}.tatsu-ggau0nu6cn5r1cm5 .tatsu-text-inner *{color: rgba(0,0,0,1) ;}<\/style>\n<p><span style=\"font-weight: 400;\">Finding the most suitable kind of insurance for your business can seem like a daunting and challenging task. This could take you months of reading and research yet you may not be able to reach a decision and decipher which insurance policy is best for you.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, there are some of the <\/span><span style=\"font-weight: 400;\">best insurance companies in Pakistan<\/span><span style=\"font-weight: 400;\"> which can help solve this problem for you and tell you which one is apt for you by taking into account your situation.\u00a0\u00a0<\/span><\/p>\n<h4 style=\"text-align: left;\"><strong>What is personal car insurance?<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">Accidents that are incurred while you are driving your own car for personal reasons are covered by personal <\/span><a href=\"https:\/\/cometinsure.com\/pk\/motor-insurance\"><span style=\"font-weight: 400;\">car insurance<\/span><\/a><span style=\"font-weight: 400;\">. This could include instances such as you driving to work, going grocery shopping, or even going out with friends.\u00a0<\/span><\/p>\n<h4 style=\"text-align: left;\">What is commercial auto insurance?<\/h4>\n<p><span style=\"font-weight: 400;\">Commercial auto insurance covers vehicles used for business purposes. This includes vehicles used to drive to and from work and vehicles used while working. These could be bikes or cars used to deliver food or vehicles used for you to drive to the farm in your farm to table delivery service.<\/span><\/p>\n<h4 style=\"text-align: left;\">Is it necessary for me to have commercial auto insurance?<\/h4>\n<p><span style=\"font-weight: 400;\">If you use your own vehicles occasionally for business purposes then you may not need commercial auto insurance as your <\/span><span style=\"font-weight: 400;\">personal insurance<\/span><span style=\"font-weight: 400;\"> would cover it. However, if the case is not so then you may need commercial auto insurance.<\/span><\/p>\n<h4 style=\"text-align: left;\">How is personal insurance different from the commercial auto insurance?<\/h4>\n<p><span style=\"font-weight: 400;\">Personal insurance<\/span><span style=\"font-weight: 400;\"> primarily covers the owner of the vehicle along with his or her immediate family members. Any third-party accidents that occur while using this vehicle will not be covered by <\/span><span style=\"font-weight: 400;\">personal insurance<\/span><span style=\"font-weight: 400;\">. Moreover, if an employee used your business vehicle for a personal task and got into an accident, then yet again this will not be covered for.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Commercial auto insurance on the other hand takes into account you and your employees as well as those people using your business-owned vehicles.\u00a0<\/span><\/p>\n<h4 style=\"text-align: left;\">What does commercial auto insurance cover?<\/h4>\n<ol>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">An injury to you or any employee of yours.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">An injury to someone not present in your vehicle.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Any damage to property.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Any repairs and replacements that need to take place post an accident.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Any other damages incurred during theft or due to bad weather conditions.<\/span><\/li>\n<\/ol>\n<h4 style=\"text-align: left;\">What are the costs of personal auto and commercial auto insurance?<\/h4>\n<p><span style=\"font-weight: 400;\">As mentioned above, commercial insurance has wider coverage and covers more aspects. Hence, due to this reason, it automatically costs more as compared to <\/span><span style=\"font-weight: 400;\">personal insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, a price quotation is only given after taking into account certain factors such as the number of vehicles being insured, the types of vehicles that will be used, who will be driving those vehicles, and lastly, what will those vehicles be used for.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/cometinsure.com\/pk\/\"><span style=\"font-weight: 400;\">Insurance companies in Pakistan<\/span><\/a><span style=\"font-weight: 400;\"> provide several coverage plans keeping it affordable and allowing it to remain budget-friendly. Policies can also be customized keeping in mind what to include and exclude respectively. <\/span><\/p>\n<\/div><\/div><\/div><\/div><div class = \"tatsu-column-bg-image-wrap\"><div class = \"tatsu-column-bg-image tatsu-bg-lazyload\" data-src = \"\"><\/div><\/div><div class=\"tatsu-overlay tatsu-column-overlay tatsu-animate-none\" ><\/div><\/div><style>.tatsu-row > .tatsu-ggau0nu63l6ab2m8.tatsu-column{width: 100%;}.tatsu-ggau0nu63l6ab2m8.tatsu-column > .tatsu-column-inner > .tatsu-column-overlay{mix-blend-mode: normal;}.tatsu-ggau0nu63l6ab2m8 > .tatsu-column-inner > .tatsu-top-divider{z-index: 9999;}.tatsu-ggau0nu63l6ab2m8 > .tatsu-column-inner > .tatsu-bottom-divider{z-index: 9999;}.tatsu-ggau0nu63l6ab2m8 > .tatsu-column-inner > .tatsu-left-divider{z-index: 9999;}.tatsu-ggau0nu63l6ab2m8 > .tatsu-column-inner > .tatsu-right-divider{z-index: 9999;}<\/style><\/div><\/div><\/div><\/div><div class=\"tatsu-section-background-wrap\"><div class = \"tatsu-section-background tatsu-bg-lazyload\" data-src = \"\"><\/div><\/div><div class=\"tatsu-overlay tatsu-section-overlay\"><\/div><style>.tatsu-ggau0nu5jl1r4aa8 .tatsu-section-pad{padding: 15px 0px 15px 0px;}.tatsu-ggau0nu5jl1r4aa8 > .tatsu-bottom-divider{z-index: 9999;}.tatsu-ggau0nu5jl1r4aa8 > .tatsu-top-divider{z-index: 9999;}.tatsu-ggau0nu5jl1r4aa8 .tatsu-section-overlay{mix-blend-mode: normal;}<\/style><\/div>\n","protected":false},"excerpt":{"rendered":"<div><a href=\"https:\/\/cometinsure.com\/blog\/personal-auto-vs-commercial-auto-insurance\/\" class=\"exp-read-more exp-read-more-underlined\">Read More<\/a><\/div>\n","protected":false},"author":4,"featured_media":5547,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[30,32,31,56],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Personal Auto Vs Commercial Auto Insurance | Cometinsure<\/title>\n<meta name=\"description\" content=\"Finding the most suitable kind of insurance for your business can seem like a challenging task. 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