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Commercial auto insurance policies are essential for businesses that use vehicles for business purposes and meet certain requirements. It's not just about vehicle registration; other factors such as ownership by a corporation, use in hauling goods for hire, and gross vehicle weight come into play. Interestingly, under specific circumstances, some small trucks can be insured under a personal auto insurance policy.

Unlike private passenger policies, commercial auto insurance policies have an unregulated pricing structure. This leads to healthy competition among insurance companies for the best commercial auto insurance coverage.

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