Why do motor cars have a ground clearance closer to the road surface than trucks and other commercial vehicles



Answers:
To a point, the lower the car's center of gravity, the less likely the car is to roll over. Lowering the center of gravity in most cases means a lower ground clearance.
Trucks and other commercial vehicles must weigh this consideration with other needs; pickup trucks, to use an example, are designed primarily for carrying medium loads in limited offroad situations; which means they need increased clearance due to both road conditions (if you've ever seen a cattle trail, you know what I mean) and to compensate for the "give" from the additional payload weight. As for other types of trucks, well, I imagine a mechanical engineer (which I'm not) could explain in great detail exactly why clearances are set how they are.
they carry less loads (less weight).
So they can go round corners without making you feel sick.
It assists with the aerodynamics - that and the trucks etc have greater load bearing usupension (higher) and larger wheels

Ergo really
Have you ever seen the strange turns a tractor makes to swing a 53 foot trailer through a turn? Every wheel must be able to hop over high curbs. thus the height
The cars are light weight. with ground clearance close, the cars are able to turn sharply and easily on the roads.
wind drag and better handling
for speed

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