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Commercial Auto Insurance Frequently Asked Questions Classes of Business Insured Why do I need commercial auto insurance? Back to the question list This is a good question. Keeping in mind that you never want to give your insurer a reason to deny your claim, increase your rates, or accuse you of insurance fraud because of making a false statement on your application. (Your personal policy applications includes a question as to the use of your vehicle.) When you use your auto for business purposes you add some unique liability exposures, not all of which can be answered just by buying business auto coverage. Here are some examples:
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