Can An LLC Own A Vehicle And Use Personal Auto Insurance? 
That is a great question ! You certainly could , but I do not think I would want to be in your shoes should you -LRB- God forbid -RRB- ever have to file a claim . The majority of insurers will differentiate a vehicle used for obvious business purposes -LRB- a vehicle filled with tools , having attached advertising , or damaged during the work activity will generally get them to consider the vehicle as being used commercially in most cases -RRB- versus private usage . That may not keep them from paying the claim , but it may allow them to contest it , or delay payment during an investigation of the claim . You may very well want to look into the alternative of purchasing a commercial coverage policy , especially if you will be transporting things of value in the vehicle that would be costly to replace -LRB- tools , files , computer equipment , etc. -RRB- . Your companies liability part of the policy will protect your family 's assets against a claim than your private insurance would also . I 'd ask you to get a commercial policy , and write it off as an expense . Thank you for asking ! 