Just curious to who has and who doesn't have commercial vehicle insurance. This question is related to small operations who use their vehicle as personal use as well. Lets not turn this thread into a "i can't believe you don't..." or "you're a scrub w/o the proper ins." My commercial vehicle nearly doubled this year and i'm thinking about just dropping back to personal vehicle. It went from $1650 to nearly $3000 per year. I have had NO claims/ticket/anything! My general liab. and inland marine didn't change just my vehicle. I would also be interested in who has personal insurance and had an ACTUAL accident while vehicle is being used for business. Thanks!