The insurance company will give you a suggestion on the deductible based on your income, the type of vehicle you are insuring, and the replacement value of that vehicle. (stockmonkeys.com)
Others permit stacking if vehicles are insured under the same policy. (thebalance.com)
In many cases, commercial vehicles are insured by a business or organization, and are covered adequately for cases of driver error, which result in accident with injury. (batonrougepersonalinjurylawfirm.com)