Comment by Amezarak

> he problem comes when the crash out costs the business and then you get nothing due to type of insurance (pretty much we pay nothing you pay everything yourself), or the ability of companies to fight endless court battles which your insurance likely does not cover.

Business automobile insurance doesn't work any differently than consumer automobile insurance. Liability payouts don't usually (ever?) have deductibles. I was recently sideswiped by a guy driving a massive pickup truck for work and their insurance paid me promptly and fairly without any fuss at all. At least the state liability insurance laws I am familiar with do not change just because you're a business.