The main difference between personal and commercial auto insurance lies in the intended use of the vehicle and the coverage provided. Personal auto insurance is designed for individuals using their vehicles for personal purposes, such as commuting, errands, or leisure. It typically excludes coverage for business-related activities, like transporting goods or passengers for profit. Commercial auto insurance, on the other hand, is tailored for vehicles used in business operations, covering activities such as deliveries, client transport, or carrying work equipment. It often provides higher liability limits, covers multiple drivers, and accommodates specialized vehicles like trucks or vans. Businesses requiring vehicle use face unique risks that personal policies do not address, making commercial coverage essential for legal and financial protection. Choosing the appropriate policy depends on how the vehicle is used, ensuring compliance with insurance requirements and safeguarding against specific risks associated with either personal or commercial activities.