If you only use your personal vehicle for commercial purposes on special occasions, you may still be protected under your personal auto policy. However, you must inform your insurer about such usage when you first purchase the policy. There are some instances where you may have no other option but to use your personal vehicle for commercial purposes. You will receive a small tax break for the operating costs. If you want to change your policy, speak to your insurer to know which type of coverage will benefit your business the most.