I'm not sure why you insist on continually being a knob, but ok.
That's why you are wrong. It's only your opinion. Read up on it before writing such non-factual non-facts.
Sorry, I must've missed all of the other definitive answers that have been thrown out here, including yours. You know how you know an opinion based statement? When it says IN MY OPINION.
Advertising on the sides of transit vehicles is big business and all kinds of licensing takes place and paper work is signed. Unfortunate accidents and all liability are taken care of beforehand.
Yeah, you know how much there is for advertisers? Zero. You know how I know this? Oh, I don't know, perhaps I inquired with my INSURER. You, on the other hand, are writing such non-factual non-facts, there, grandpa.
With your way of thinking, the owner is taking advantage of non-professional/commercial vehicles. It might be aggressive thinking, but it's not gonna ride on the roads.
With my way of thinking, it apparently is correct per the follow up from the OP. Oh, and the fact that I make my living in OUTSIDE SALES driving my PERSONAL VEHICLE for another company. And you know who is primarily liable for my coverage? The driver's insurance comes first, and that is when you are WORKING for the company.
So what you've done is commented all over the place with your own, 100% incorrect opinion (non-factual non-facts in your parlance). Your zeal for what appears to be unintentional self deprecation is impressive.