A passenger carrying vehicle is a commercial vehicle which charges passengers for the privilege of driving them - often in the form of buses or coaches. Examples are buses, vans, taxis and the like.

A goods vehicle is a commercial road vehicle used for transporting goods. These may include trucks, lorries, pick-up vans, tempos and so forth.

Vehicles, which can not be easily placed into the groups of "passenger taking" or "goods taking" vehicles are classified as miscellaneous and special vehicles. Considering a case of the same, such vehicles may comprise ambulances, cinema vans, special purpose vehicles (SPVs), construction site vehicles and/or similar types.

If your commercial vehicle gets into an accident:

1. Engine off (if safe) and make sure all persons are well guarded.
2. Assess for injuries and call medical help if required.
3. Photograph/videotape the accident scene: vehicle damage, road conditions, skid marks, etc.
4. Inform the police (Log an FIR if necessary – in particular where there is injury to a third-party or damage to property).
5. Contact your insurance company promptly (you may only have 24-72 hours to report) and go through their claim procedure.
6. Have all relevant documents in place: Vehicle registration, policy papers, driving licence, FIR/incident report and photos.

You can have the vehicle serviced at a workshop at any of your insurer’s authorised or network garages (which typically tie-up for cashless claims). If the car is not drivable, have it towed in accordance with your policy. It is a good idea to check with your auto insurer before you start major repairs, to prevent the denial of a claim.