If your vehicle is used commercially or in trade to make money personal vehicle insurance will not pay <(period)>.
- Commuting to work is not commercial use.
- Using a truck or van for hauling loads or delivery is commercial use.
- Using a passenger auto for a taxi fares or even pizza delivery is commercial use.
- Buying and selling cars and insuring them as personal vehicles is a breach of a personal vehicle insurance policy -- that is with ANY insurer.