Which coverage is NOT typically included in commercial auto insurance?

Personal injury protection (PIP) is not typically included in commercial auto insurance policies. PIP is designed to cover medical expenses and related costs for the policyholder and passengers in the event of a car accident, regardless of fault. This type of coverage is more commonly associated with personal auto insurance policies, especially in no-fault insurance states.

In contrast, liability coverage is standard in commercial auto insurance as it protects the policyholder from financial loss in the event of an accident that causes injury or property damage to others. Collision coverage, which pays for damage to the insured vehicle resulting from a collision with another vehicle or object, is also common in commercial policies. Furthermore, protection against damages often refers to comprehensive coverage that safeguards against non-collision-related incidents, such as theft or natural disasters, which is also a typical component of commercial auto insurance. Therefore, personal injury protection stands out as the coverage that is not generally included in these commercial policies.