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 Oregon, commercial auto insurance is required for vehicles used for business purposes, such as cars, vans, trucks, and specialized vehicles like food trucks and utility trucks. This type of insurance provides coverage for damage to the business vehicle, injuries to the driver, and liabilities for injuries or damages caused to third parties. Oregon mandates that all vehicles, including those used for commercial purposes, carry a minimum amount of liability insurance. The minimum requirements are $25,000 per person for bodily injury, $50,000 per crash for bodily injury to others, and $20,000 per crash for damage to others' property. However, commercial vehicles often require higher limits due to the increased risks associated with business use. Businesses may also opt for additional coverages such as collision, comprehensive, medical payments, and uninsured motorist coverage. It's important for business owners to work with an attorney or an insurance agent to ensure that their policy meets the specific needs of their business and complies with Oregon state regulations.