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Commercial versus Non-Commercial Policies

July 21, 2023
Personal injury law is a complex area of law that deals with cases where an individual has been injured due to the negligence or intentional actions of another party. When it comes to personal injury cases, there are two types of insurance policies that can come into play: commercial policies and non-commercial policies.

Commercial policies are insurance policies that are purchased by businesses to protect themselves from liability in case of accidents or injuries that occur on their premises or as a result of their operations. For example, if you slip and fall in a grocery store, the store's commercial policy would cover your medical expenses and any other damages you may have suffered as a result of the accident.

On the other hand, non-commercial policies are insurance policies that individuals purchase to protect themselves from liability in case of accidents or injuries that they may cause. For example, if you are driving your car and you accidentally hit someone, your non-commercial policy would cover the damages and medical expenses of the person you hit.

So, what are the differences between commercial policies and non-commercial policies when it comes to personal injury law?

One of the main differences is who is covered under the policy. Commercial policies only cover the business and its employees, while non-commercial policies cover the individual who purchased the policy and anyone else who may be driving their vehicle at the time of the accident.

Another difference is the amount of coverage provided by the policy. Commercial policies tend to have higher limits of coverage than non-commercial policies, as businesses typically have more assets to protect. Non-commercial policies, on the other hand, may have lower limits of coverage depending on the individual's financial situation.

Finally, the process for filing a claim and receiving compensation may differ between commercial and non-commercial policies. With commercial policies, the injured party may need to go through the business's insurance company to file a claim and receive compensation. With non-commercial policies, the injured party would file a claim with their own insurance company.

In conclusion, understanding the differences between commercial policies and non-commercial policies is important when it comes to personal injury law. If you have been injured due to the negligence or intentional actions of another party, it's important to know which type of policy may be involved in your case and how it may affect your ability to receive compensation for your damages.

Think you might have an injury case? Call 844-227-9739 for a free consultation.

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Portrait of Attorney Jacob Hughey

Jacob s. hughey

Attorney and Partner

Jacob is a compassionate, no-nonsense personal injury attorney. Rest assured, he will fight for the best outcome possible for your injuries.

Portrait of Attorney Dustin Brown

Dustin C. Brown

Attorney and Partner

Dustin practices law for the individual because people need a strong voice in their corner.

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