The biggest difference is who is covered, and it is decided by numbered symbols rather than by a list of cars. A commercial auto declarations page assigns a symbol to each coverage, and that symbol says whether it reaches owned autos only, hired autos, non-owned autos, or any auto. Get the symbol wrong and a vehicle you thought was covered is not. Rating differs too. The three mandatory factors Proposition 103 imposes on private passenger auto do not govern commercial rating, which works from use, radius, weight, and the driver list.
Related FAQs
Enough to describe the vehicles, the drivers, and the operation. That means the VIN and stated value for each unit, the garaging address, the radius you run, and what ...
It depends on whether you are simply a business with vehicles or a motor carrier. An ordinary commercial vehicle sits on the same statutory floor as a private passenger ...
Yes, and California makes the exposure harder to argue away. Labor Code 2802 requires an employer to reimburse an employee for necessary expenditures incurred in performing their duties, mileage ...
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