A commercial vehicle, in Georgia and beyond, is defined as one that is used for commercial purposes or business. If you own a business in Atlanta and use even a single vehicle for business purposes, you have a commercial vehicle. As such, you will be required to have special insurance covered that is typically more expensive than a traditional personal vehicle policy. The exact requirements will be dependent upon the type of vehicle and what you use it for.
Most people associate large trucks with “commercial vehicle,” but any vehicle can be considered a commercial one for the purposes of insurance coverage. The most commonly insured commercial vehicles include:
- Passenger cars
- Passenger vans and buses
- Minivans
- Cargo vans
- Flatbed trucks
- Delivery van
- Cement mixer
- Motor home
- Tow truck
- Refrigerated truck
- Wheelchair van
- Semi-truck
This is not an exhaustive list. Any vehicle that is utilized for the purposes of carrying out the duties of a business can be considered commercial. Any person that owns a company or even works for themselves out of their home and uses their vehicle in the scope of that business should speak with an experienced insurance agent to determine the type of coverage required.
If you are involved in an accident with a commercial vehicle in Atlanta, you have the legal right to seek compensation for injuries and property damage. When a person is involved in an accident, they should consult with an experienced personal injury attorney to learn more about their rights and the types of compensation that they may be entitled to.