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As your new employer asked the question, the answer seemed so simple that you figured to deliver some sandwiches in some important Courier deliveries across town Take a part-time job providing limousine services.
But the follow-up questions came to mind What does my auto insurance coverage do I need a commercial car insurance.
These are important questions to ask when considering if your car insurance will cover you when driving job Many insurance companies may not cover you if you are in an accident when using your vehicle for business In Indeed, the conduct of others as a volunteer can fall into the same gap in insurance coverage that is why it is important to understand what your insurance policy covers.
All business-related activities require commercial auto insurance, but it's fine line Some insurance companies provide coverage if you use your vehicle for business, but you don t make money directly driving an example If you drive to go to sell a product, your personal auto insurance can provide coverage Check with your insurance company to be sure.
However, if you make deliveries or transportation of passengers for pay, many insurance companies will not cover you for these activities because you're making money driving This may be true if you deliver sub sandwiches or provide taxi type ride-sharing services for a company like Uber and Lyft in each of these cases, you may need to obtain a commercial auto insurance policy Review your insurance policy for details.
This may even be true if you volunteer, for example, perhaps you volunteered to lead students to a field trip or perhaps you have volunteered for seniors to medical appointments in cases like this, some insurance companies will see this as volunteer work В again, check with your company before you hit the road.
Because it can be expensive to buy a commercial insurance coverage, some drivers may be tempted not to mention they use their car for business when completing an insurance application Although this may make you save money, it also puts you at financial risk in the event of an accident with many insurance companies, if you have an accident while using your car for business, you may have to pay for injury to another person or damage to property of your own pocket.
Whether you use your car for work every day or just once a year, it is important to understand what car insurance covers Ask your insurance agent if your auto insurance policy will cover you in case of accident this response is an important first step to ensure that your auto insurance policy covers you, but you use your car.
Adkins, W D Employers can sure use your own vehicle for work Chron Small Business Houston Chronicle, d web May 23, 2014.
Auto Insurance Made Easy Texas Department of Insurance, Web February 2014 May 22, 2014.
Notice to the transport network drivers Notice to Company Transportation Network Company Drivers Department of Insurance, State of California, d web May 22, 2014.
Using your own car for business Np April 7, 2010 May 22, 2014 Web.
Driving for Work and automobile insurance coverage †"Learn What is covered Ameriprise Auto & Home Insurance, driving, labor, insurance.