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Commercial Auto FAQ

Can I buy commercial auto insurance by itself?

Yes. You can buy commercial auto by itself, but we recommend buying liability insurance along with your commercial auto insurance. General liability insurance can protect your business from certain costs including medical expenses, legal costs, and more. When you buy both policies together, you also get a discount on them.

Can I combine a commercial auto policy with my existing Next Insurance liability policy?

Yes. In order to do that, please call us at 1-855-222-5919 or email us at

Can I drive out of the state where my vehicle is registered?

Yes, you certainly can! This policy will cover you if you need to drive out of state for your business operations. However, if you regularly drive more than 100 miles from your business location, this policy may not be right for you at this time.

Can I insure my motorcycle with this insurance if I use it for my business?

No, at this time motorcycles are not included for commercial auto coverage.

Do I need to have my car serviced at specific auto repair locations?

No, we do not specify specific repair locations for our policyholders.

Do you offer personal auto insurance?

No, we are solely focused on business insurance. It’s important to know that a commercial auto policy can be used to insure your personal vehicle if that vehicle is used for your registered business.

Does my vehicle need to be registered to my business? Can it be registered under my name? Can it be registered to a member of my family?

The vehicle listed on your commercial auto policy can be registered to your name or your business’ name.

How is the “Actual Cash Value” of my vehicle determined?

The Actual Cash Value of the vehicle is determined when the vehicle is appraised following an accident.

I don’t feel comfortable providing my driver’s license number online. Can I still buy this insurance policy?

We understand that an entirely online process is new, and can be surprising for some people. In any case, for a commercial auto policy, we need your driver’s license number, and you will be unable to buy your policy without one. We use the industry standard AES-256 encryption algorithm to make sure your data is safe, and we use a high level of encryption on the client side (SSL).

I use my personal vehicle for my business. Can I insure it with this policy?

If you use your personal vehicle for business purposes, we can insure it under our commercial auto policy. It’s important to note that certain high-end vehicles, and vehicles larger than standard trucks or SUVs will be excluded from this type of coverage.

In the event of a claim, how is the value of my vehicle determined?

In the case of a claim on your commercial auto policy, the value of your vehicle will be based on the actual cost value (ACV) or the cost of repair at the time of the incident. However, if you have a vehicle loan, there may be coverage for the difference between the remaining balance of the loan and the ACV of the vehicle.

Is an insured vehicle covered if I rent or lend it out to someone who is not an employee of my business?

Vehicles on this policy will remain covered if you as the named insured give express permission to the other driver of the vehicle.

My business is run out of my vehicle (e.g. food truck, mobile services, mobile photobooth van). Can I insure my vehicle with this policy?

No. Unfortunately, our current policy cannot cover these specific types of vehicles. We certainly hear the need for customers to be able to purchase commercial auto policies for these services, however.  We plan to offer this in the future – please continue to check back as we roll out new options!

What does liability coverage for an auto insurance policy mean?

Under a commercial auto policy, liability coverage is intended for any third-party bodily injury and property damage that may occur on a per accident basis. This could cover medical expenses that arise from an accident in which you were at fault. It could also include reimbursement for any property damage resulting from that accident.

What is the coverage area of this insurance policy? Can I drive outside of the U.S.?

Beyond the United States, the coverage territory also includes Canada and Puerto Rico. Mexico is not included for this commercial auto policy.

What types of vehicle(s) can I insure? How many vehicles can I insure under one policy?

With our policy, you can cover up to four vehicles and eight drivers. These vehicles can be owned by the driver or the business being insured, so long as they are used for business purposes. This policy will even cover vehicles used to transfer equipment you need for your business. Certain high-end cars or particularly large types of vehicles will not be covered at this time. We are constantly working on expanding our coverage and plan to offer more options in the future!

Who can drive the car that’s insured? Who is insured by this policy?

The person who is named on the policy can drive the vehicle(s) that is insured. If the vehicle is listed under the business, the business owner can drive the vehicle.The policy will also cover other drivers in instances where they utilized the named insured’s vehicle, as long as they have the explicit permission of the business or vehicle owner.

Will my premium change or my policy be cancelled if I file a claim?

No, we will not alter your premium or cancel your policy for the duration of your policy term due to a claim. It is important to note that the premium displayed is a deposit premium for the policy period. At the end of your policy period we reserve the right to review the details of your business and vehicle activity within that time. If either has changed since you applied, we reserve the right to adjust your previous year’s premium up or down accordingly, and refund or withdraw funds as applicable.

Will this policy cover any cars that I need to rent?

This commercial auto policy will cover some rental reimbursement fees following an accident; however, it will not provide coverage for damage to the rental cars themselves.

Are the items (equipment, valuables, business property) that I transport with my insured vehicle covered by this policy?

A commercial auto policy will cover the vehicle used to transport items, but not the items themselves.

What does medical payment and personal injury protection cover?

“Medical payments” coverage reimburses you for your own medical bills in the event of an accident.  Personal Injury Protection (PIP) coverage is similar and can also cover lost wages and other expenses which vary by state.


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