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 Alabama, commercial auto insurance is required for vehicles used for business purposes, such as cars, trucks, and vans. This type of insurance is designed to provide higher coverage limits than personal auto insurance policies, reflecting the greater risks associated with business use. Alabama law mandates that all vehicles operated on public roads must have a minimum amount of liability insurance, which includes coverage for bodily injury and property damage that the policyholder is legally responsible for due to an auto accident. For commercial vehicles, this coverage extends to vehicle damage, driver injuries, injuries to others, and damage to others' property. Specific coverage requirements can vary depending on the type of vehicle and its use. It's important for businesses to ensure their commercial auto policies meet or exceed Alabama's minimum insurance requirements to avoid penalties and ensure adequate protection in the event of an accident.