Скачать или смотреть Commercial Auto vs Personal Auto Insurance in Michigan - What’s The Difference?

✅ Get a quote today: https://www.yourmichiganinsurance.com...
📞 Call or Text: 248-459-3045
📧 Email: [email protected]

Commercial Auto vs Personal Auto Insurance in Michigan — what’s the real difference?

If you use your vehicle for business in any way here in Michigan, understanding this distinction is critical. A personal auto policy is designed for everyday personal use, while a commercial auto policy is built specifically for business-related driving, higher liability risks, and tools, equipment, trailers, and job site travel.

In today’s video, I break down the major differences between the two, and how misclassifying your vehicle can impact whether a claim gets paid — especially in Michigan’s no-fault system.

Personal Auto Insurance (Michigan)
🔹Designed for everyday personal driving
🔹Covers PIP, PPI, liability, collision, and comprehensive
🔹NOT built for job sites, employees driving, and general business use
🔹 May create gaps if the vehicle is used for work

Commercial Auto Insurance (Michigan)
🔹Built for business-use driving and job site travel
🔹Higher liability limits available
🔹Allows certificates of insurance and contract compliance
🔹Can cover employees using the vehicle
🔹Optional Hired & Non-Owned Auto coverage

When You Should Switch to Commercial Auto
🔹You’re a contractor or tradesperson
🔹You haul tools, equipment, or materials
🔹You drive to and from multiple job sites
🔹Your business name or logo is on the vehicle
🔹Employees use the vehicle for work
🔹You tow trailers or machinery
🔹You need certificates for jobs or vendor requirements

If you’re unsure whether your vehicle should be on a personal or commercial auto policy, or if you want to make sure you’re fully protected before a claim happens, I’m here to help.

📞 Need help reviewing your commercial auto insurance?

Feel free to reach out anytime — happy to take a look and make sure you’re properly covered.

🔗 Learn more:

#commercialauto #commercialautosinsurance #michiganbusinessinsurance #contractorinsurance #michiganautoinsurance #insuranceexplained #yourmichiganinsurance

Need help with your insurance? Have questions?
✅ Get a quote today: https://www.yourmichiganinsurance.com...
📞 Call or Text: 248-459-3045
📧 Email: [email protected]

I look forward to working with you!

Playlists for Business Insurance:
📌 Workers Compensation Insurance:    • Michigan Workers Compensation Insurance: E...  
📌 General Liability Insurance:    • How Much Does General Liability Insurance ...  
📌 Commercial Auto Insurance:    • Commercial Auto Insurance For Contractors ...  
📌 Cyber Liability Insurance:    • Cyber Liability Insurance 101: Everything ...  
📌 Commercial Property Insurance:    • What Is A Wind / Hail Deductible? And Why ...  
📌 Tech E&O Insurance:    • Tech E&O 101: What Are Common Exclusions O...  
📌 Management Liability Insurance:    • Commercial Insurance 101: Employment Pract...  
📌 General Commercial Insurance:    • Does Your Business Need An Umbrella Insura...  

Specific Industry Playlists:
📌 Contractor Insurance:    • General Liability Insurance For Contractor...  
📌 Manufacturing Insurance:    • Commercial Property Insurance for Manufact...  
📌 Trucking Insurance:    • How To Get Insurance For A New Trucking Bu...  

Playlists for Personal Home & Auto Insurance:
📌 Michigan Auto Insurance:    • Why Is Auto Insurance For Electric Vehicle...  
📌 Michigan Home Insurance:    • Property Insurance vs Liability Insurance ...  
📌 Michigan High Value Home Insurance:    • Top High Value Home Insurance Companies in...  
📌 Michigan Electric Vehicle Insurance:    • Tesla Insurance 101: Is Auto Insurance For...  

If there’s a specific topic you’d like me to cover or if you have questions, let me know in the comments!

**DISCLAIMER: THIS IS NOT LEGAL ADVICE. USE AT YOUR OWN DISCRETION. THIS VIDEO INCLUDES MICHIGAN INFORMATION ONLY.