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 Montana (MT), commercial auto insurance is required for vehicles used for business purposes, similar to personal auto insurance requirements. This type of insurance helps protect business-owned vehicles in the event of an accident, covering damages to the vehicle, injuries to the driver, and liabilities for injuries or damages to third parties. Montana state law mandates that all motor vehicles operated on public roads must have liability insurance, which includes a minimum amount of coverage for bodily injury and property damage. 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 and may include additional coverages tailored to business needs, such as coverage for equipment and goods in transit. It is important for businesses to ensure their commercial vehicles are adequately insured to comply with Montana regulations and to protect their financial interests in the event of an accident. Businesses should consult with an attorney or an insurance agent specializing in commercial policies to determine the appropriate level of coverage for their specific needs.