Depending on your situation, the need for either commercial or personal auto insurance can be very minute.
If you own a business but don’t own a flock of commercial vehicles, you may never have given commercial auto insurance a thought. But it’s possible that you may need a commercial policy, even if you don’t fall into these categories. This is especially true if you use your own vehicle for work purposes other than commuting. It may be a bit confusing, but we’re here to break it all down for you and get you started down the right path.
Commercial or Personal Auto Insurance?
It’s not where you drive, but why: There’s no reason as to how much you can drive under your personal policy. But if you are the assistant (to the) regional manager and you use your own car to check on clients, your personal policy won’t cover any accidents while you’re on the road during this time.
Watch what you carry: Commuting to a job with your briefcase is one thing, but bringing along expensive and heavy equipment is another. Construction workers hauling ladders, expensive drills, and other supplies run a higher risk of property damage.
Transporting Things Divides the Thin Line.
Personal car insurance typically won’t cover any damages or treat medical bills for transporting people or goods for money. Driving friends to a concert or grabbing some burritos with a co-worker is covered. But delivering pizzas in your car likely won’t be covered, and the need for commercial auto insurance arises.
Being prepared for all accidents is the only way you can be fully covered. For full coverage on your commercial and personal auto insurance and peace of mind knowing your policy will have the right limits when an accident occurs, contact Scautub Agency in Scotia, New York.