In almost every case, the answer is:  no.  Music that you hear on the radio (and other sources) needs to be individually licensed by the license holder (or their agents) in order to be used in a commercial.  Penalties and fines can be extremely stiff if you are caught doing so.  Licensing music for use in commercials is also cost-prohitive for almost all but the largest advertisers.  If you would like to learn more about licensing rights, contact The Harry Fox Agency here.