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 Maine, commercial auto insurance is required for vehicles used for business purposes, such as cars, vans, trucks, and specialized vehicles like food trucks. This type of insurance provides coverage for damages to the insured vehicle, injuries to the driver, and liabilities for injuries or damages caused to third parties. Maine law mandates that all motor vehicles operated on public roads must have a minimum amount of liability insurance. The minimum requirements for commercial vehicles may be higher than for personal vehicles, reflecting the increased risk and potential for higher damages associated with business use. Commercial auto policies typically offer higher coverage limits to meet these needs. It's important for businesses to ensure that their commercial vehicles are adequately insured to protect against potential financial losses from accidents or other incidents on the road.