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 Michigan, commercial auto insurance is designed to provide coverage for vehicles used for business purposes, which can include a range of vehicles from cars and vans to box trucks and food trucks. This type of insurance is crucial for businesses as it not only covers damages to the insured vehicles but also provides protection for driver injuries, injuries to third parties, and damage to third-party property. Michigan's no-fault insurance laws require all owners of motor vehicles operated or parked on Michigan roadways to carry certain types of coverage. This includes personal injury protection (PIP), property protection insurance (PPI), and residual liability insurance – bodily injury and property damage (BI/PD). Commercial auto policies in Michigan typically offer higher coverage limits compared to personal auto policies to account for the increased risks associated with business vehicle use. It's important for businesses to ensure their commercial auto policies comply with Michigan's specific insurance requirements to provide adequate protection in the event of an accident.