Commercial Insurance experts: I have a personal insurance client that...

Commercial Insurance experts: I have a personal insurance client that works as a W2 employee for a home health care and assistance employer. She transports clients from their home to help with errands 3-4 days per week. These are mobile clients that don't need wheelchairs or walkers. I told her I was concerned that since she is using her personal vehicle, that there would be an issue with a claim on her personal policy, especially