Question

How to diffretiate between commercial and private vehicle?

Answer 1

If you are using a vehicle for business related purposes, like transporting some goods to your customers (or) using it as your office related purposes. These vehicles are directly/indirectly used in your business to generate money.

Private vehicles are much more used on personal uses like, travelling from a source to destination, where you are using it for your/your family purpose and there is no monetary/business benefits happening in this process.

Answer 2

Answer:

A Private Car cannot be legally used for any business activity that involves transport of goods or commodities. Such private cars are registered under the category of LMV with the RTO. Commercial Car Insurance is about protecting a taxi or cab which is used to transport paying passengers.