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It’s common when running a business to use your personal car for work purposes. However, you may require commercial auto insurance to ensure you are properly protected. Unfortunately, the difference between commercial and personal auto insurance can be tricky to understand. Many people are driving their vehicles thinking that they are properly covered, when in reality they are not. Here is a quick guide to the differences between commercial and personal auto insurance. 

Differences Between Commercial and Personal Auto Insurance

Whenever you get behind the wheel, you are putting yourself at risk. The risks are physical, but also financial if you are liable for damages or injuries. However, if you are using your vehicle for commercial purposes, there may be different risks involved than if you are using it for personal use. 

Personal coverage is geared towards providing protection for personal use. Commercial coverage may need to be more comprehensive since using your vehicle for work could involve different risks. It could depend on the industry you are in, such as construction, or the type of work you do. In general, a personal coverage plan will not cover activities undertaken while you are working, and a commercial policy will not cover you for personal activities. 

Commercial Automobile Coverage

There are thousands of deaths on roads in the United States every year. You never know when disaster might strike, and you want to make sure that your business is protected against any claims that may be made against you. You might drive between work sites, or have a delivery business of some kind, but no matter what, you need commercial auto insurance you can trust

Your commercial auto coverage should be custom designed so that you are protected against the specific risks of your business. Because of this, there are many possible policy options. It’s important to look them over carefully to make sure that you are properly protected. Not all insurance providers provide the same options either, so find one that is flexible. Be as diligent as possible. You never want to find out that you are not covered for something when it comes time that you actually need it. Must haves when it comes to commercial auto coverage include: 

Personal injury for anyone in the vehicle, which includes yourself, your employees, or any passengers that you might have. Coverage should include lost wages and medical costs. Coverage against injuries or damages when loading or unloading the vehicle. This is especially important if deliveries are a part of your business, or if you need to transport tools or other objects that might cause injury or damage. Coverage to replace the car if it is damaged and needs repairs. When you are operating a vehicle for your business, any downtime will affect your business’s bottom line. With this coverage, you can continue to operate until your vehicle is ready to go. 

Personal Auto Insurance

Personal auto insurance is meant for the day-to-day activities for which you might use your vehicle. This includes going to work and school, shopping, personal tips, and even a small amount of business use if necessary. Someone may have a job that requires traveling to different work sites but that doesn’t carry extra risks, and still be covered under a personal plan. This could include real estate agents who head from home to home on a regular basis. At the very least, your personal auto coverage should include: 

Liability coverage that protects you financially if you are found liable for an accident causing injury or death. Accident benefits coverage will help if you are injured and require medical and

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By: Automotive Addicts Contributor
Title: Commercial vs. Personal Auto Insurance
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Published Date: Thu, 04 Nov 2021 16:11:45 +0000

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FLOWER POWER: The Humble VW Bus Became the Icon of an Era and a Collector Favorite

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FLOWER POWER: The Humble VW Bus Became the Icon of an Era and a Collector Favorite

When Dutch Volkswagen importer Ben Pon, inspired by the popular VW Beetle, doodled a sketch of a van in a notebook in 1947, little did he know his invention would turn out to be the face of Woodstock, be featured on album covers and in films, and would become the first “home on wheels” for many a laid-back traveler (well before #VanLife became a thing).

Volkswagen approved the van for production in May 1949 and the first production model rolled off the assembly line that November. Two models were offered: the Kombi (known as an 11-window among American enthusiasts) and the Commercial. The Microbus was added in May 1950, joined by the Deluxe Microbus in June 1951. The DeLuxe model became known as the 15-window, while the sunroof DeLuxe – with its additional eight small skylight windows – is, accordingly, the 23-window. From the 1964 model year, the rear corner windows were discontinued, making it a 21-window.

The VW Bus was an enormous success in America, becoming a symbol of the American counterculture movement in the 1960s and often referred to as the “hippie van” and painted in bright colors. It was affordable, easy to fix and large enough to live in, suiting itself for life on the road – the dream of many a young person at that time. With the engine located in the back of the bus, road trips were even more memorable when taking in the magical views through the big front window, which made occupants feel like they were part of the scenery.

Be on the lookout for some decidedly groovy examples of early Volkswagen buses at the 2024 Scottsdale Auction, including the examples featured here.


Pictured above, this 1964 Volkswagen 21-Window Deluxe Microbus is powered by a 1776cc 4-cylinder engine paired with a 4-speed manual transmission. This frame-off restoration has new sheet metal in places where it was necessary. It is finished in Sealing Wax Red over brown. The interior features upgraded Wolfsburg material. This bus sits on AirKewld air-ride suspension and has front disc brakes.


This Microbus Resto-Mod is a fresh 2-year high-quality restoration. It is powered by a new 2,027cc 4-cylinder engine with dual carburetors mated to a 4-speed manual transmission. It is equipped with a tuned narrow-beam suspension and Porsche Turbo disc brakes. This bus features seating for nine passengers, with a sliding ragtop and a safari pop-out windshield. It also has a roof rack, remote-controlled front and rear hatch power locking doors, and dual rear batteries. The custom interior features a 10-speaker stereo system with an iPad touchscreen, new gauges, a 356 Porsche steering wheel and a custom steering column.

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By: Barrett-Jackson
Title: FLOWER POWER: The Humble VW Bus Became the Icon of an Era and a Collector Favorite
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Published Date: Wed, 20 Dec 2023 21:09:27 +0000

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MEMORABLE SALES IN THE SUNSHINE STATE: Highlights from Barrett-Jackson’s Past Palm Beach Auctions

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MEMORABLE SALES IN THE SUNSHINE STATE: Highlights from Barrett-Jackson’s Past Palm Beach Auctions

Taking place in Florida since 2003, the Barrett-Jackson Palm Beach Auction is a notable East Coast automotive lifestyle event, featuring extraordinary sales on the auction block year after year. With its uniquely casual yet high-energy atmosphere, it draws enthusiasts and serious collectors alike to take part in The World’s Greatest Collector Car Auctions. This annual gathering has evolved into more than just an auction; it is a celebration of car culture amidst the luxurious backdrop of Palm Beach.

As we gear up for the April 18-20, 2024 Palm Beach Auction, we’re taking a look back at some memorable moments from previous years. From classic beauties to modern marvels, the event has showcased an impressive array of desirable collectibles. Here are just a few of the many standout sales that celebrate the legacy of Barrett-Jackson’s presence in Palm Beach.

Picutred above, this 1947 Bentley is powered by a 4.5-liter inline-6 engine with a 4-speed transmission. Featuring Coachworks by Franay and magnificently restored to Pebble Beach Concours d’Elegance winning standards.

Personally customized for Howard Hughes and the last car he drove. In 100% original condition and powered by a 322/122hp V8 engine with an automatic transmission.

Chassis #40, a limited-edition Carbon Series with $55,100 in options, including the Dark Energy interior. Powered by a 3.5-liter EcoBoost V6 engine mated to a 7-speed dual-clutch automatic transmission. 242 actual miles.

2023 PALM BEACH – 2020 FORD GT HERITAGE EDITION – $1,457,500

Powered by a twin-turbocharged 3.5-liter V6 engine coupled with a quick-shifting 7-speed dual-clutch transmission. Can do 0-60 mph in 2.8 seconds with a 216-mph top speed. Includes the Heritage Roundel Graphics package and Alcantara interior trim. 2018 PALM BEACH – 2012 LEXUS LFA NÜRBURGRING EDITION – $770,000
One of just 50 Nürburgring Edition Lexus LFAs built. One owner from new, with 1,600 actual miles. Powered by a 4.8-liter 562hp V10 engine backed by a 6-speed sequential transmission.

2016 PALM BEACH – 1969 FORD MUSTANG BOSS 429 – $550,000
One of just 859 built in 1969; KK #1371 was the 170th unit produced. Previously awarded 504 points at a major Mustang meet in Charlotte, NC. Has a 4-speed manual transmission.

Complete nut-and-bolt restoration with an Art Morrison chassis. Powered by a brand-new LSA-supercharged 6.2-liter GM crate engine putting out 580hp with a 4L85E automatic transmission. Has Wilwood 6-piston brakes and Vintage Air.

Rare, early factory walk-through bus powered by a 1.2-liter 4-cylinder engine with 36hp and a 4-speed manual transmission. Detailed to a very high level and beautifully restored.

Mark your calendar for April 18-20 and consign your collector vehicle now to secure your spot in the 2024 Palm Beach Auction at the South Florida Fairgrounds. Start your consignment online today at or call 480-421-6694 to speak with a specialist.

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By: Barrett-Jackson
Title: MEMORABLE SALES IN THE SUNSHINE STATE: Highlights from Barrett-Jackson’s Past Palm Beach Auctions
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Published Date: Tue, 20 Feb 2024 21:18:18 +0000

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Rare Motorcycle Sold for Nearly a Quarter Million Dollars


For the past 33 years, Las Vegas has become home to motorcycle’s high rollers, collectors, and enthusiasts who swarm the city for Mecum Auctions’ annual January sale. This year’s event had a reported 2,000 motorcycles up for grabs, from turn-of-the-century machines to modern-day racers. By the time the last motorcycle rolled across the stage of the four-day event, these five rose to the top for highest prices paid. Since there was a tie between fourth and fifth place, we included the sixth-place finisher as well, this 1994 Harley-Davidson VR1000 and its $129,250 selling price worthy of an honorable mention.

A 1928 Indian Ace, with its heralded inline-four engine, earned top honors after selling for $220,000 at the 2024 Las Vegas Mecum Auction.
A 1928 Indian Ace, with its heralded inline-four engine, earned top honors after selling for $220,000 at the 2024 Las Vegas Mecum Auction. (Photos courtesy of Mecum Auctions and Bryan Harley/)

1. 1928 Indian Ace | $220,000

Every OEM has a marquee model that exemplifies the company’s very best. While Indian Motorcycle has manufactured heralded Scouts and Chiefs, the elegant Indian Four deserves a spot among the finest machines ever produced by Hendee and Hedstrom.

This restored beauty comes from Wayne Kruty’s private collection. Kruty did a comprehensive restoration in 2014, including having the engine and transmission rebuilt by Davies Antique Motors. The 1,265cc inline four-cylinder engine has overhead inlet valves and side exhaust valves and puts out about 30 hp. This one features a leading-link fork and frame, something only found on the first-year Indian Ace models. Draped in classic red paint highlighted by crisp gold script, the motorcycle exudes power and grace.

One of the motorcycle’s strongest selling points, the beautiful inline-four, is a descendant of the 1911 Henderson. The Henderson brothers, Thomas and William, were well known for the American four-cylinder motorcycle engine they engineered. They sold their company to Schwinn bicycles, who also produced Excelsior motorcycles, in 1917. William Henderson then embarked on a new venture, founding the Ace Motor Company in 1919, which was subsequently purchased by Indian in 1927. Production was moved to Indian’s factory in Springfield, Massachusetts, where it rolled out the first 1927 Indian Ace. The next year it dropped the name Ace but continued to produce inline-four motorcycles. This Indian was the Ace in the hole at Mecum’s 2024 Las Vegas auction, winning the jackpot for highest selling motorcycle at $220,000.

With a beautiful dustbin fairing hand-fabricated by an Italian legend and an engine with a GP pedigree, this 1957 Mondial 250 Bialbero Grand Prix Racer is truly one of a kind.
With a beautiful dustbin fairing hand-fabricated by an Italian legend and an engine with a GP pedigree, this 1957 Mondial 250 Bialbero Grand Prix Racer is truly one of a kind. (Photos courtesy of Mecum Auctions and Bryan Harley/)

2. 1957 Mondial 250 Bialbero Grand Prix Racer | $165,000

Mondial was a boutique motorcycle manufacturer from Bologna, Italy, that specialized in squeezing the highest performance possible out of motorcycles with relatively small engines. Produced between 1948 and 1979, the brand cut its teeth in Grand Prix racing and won five world championships in its heyday. During that tenure, only approximately seven Mondial 250 Bialbero Grand Prix racers were built by the factory. This survivor is the result of a 10-year labor of love for owner John Goldman, who lovingly restored it to its former glory.

The engine’s history adds to its provenance. The 250cc DOHC single-cylinder engine uses a shaft-and-bevel drive for its cams instead of a tower of gears driving the camshafts. For that reason, it is believed it was raced by Tarquinio Provini in 1957, giving it a GP pedigree.

Owner John Goldman smiles onstage after winning Best of Show at the 2017 Quail Motorcycle Gathering.
Owner John Goldman smiles onstage after winning Best of Show at the 2017 Quail Motorcycle Gathering. (Photos courtesy of Mecum Auctions and Bryan Harley/)

The beautiful dustbin fairing adds to its allure as well. The aluminum was hand-fabricated by Giancarlo Morbidelli, the famed

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By: Bryan Harley
Title: Rare Motorcycle Sold for Nearly a Quarter Million Dollars
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Published Date: Tue, 20 Feb 2024 21:47:50 +0000

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