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Generally you need commercial coverage if using your own vehicle for company business. Some companies may help with the premiums but that's an exception to the norm. Usually you're going to be stuck paying yourself. Of course you need not tell anyone that you are using the vehicle for company business (other than the IRS).

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โˆ™ 2005-04-27 22:48:18
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Q: What insurance do you need if you are using your personal auto for business?
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Related Questions

What is the difference between Business auto insurance vs personal auto insurance?

Business auto insurance coverages commercial vehicles or vehicles used for work. Personal auto insurance coverages a personal automobile that is not used for work related activities.


What is the difference between Personal Auto Insurance and Business Auto Insurance?

Personal auto insurance is a policy to protect you and your family individually. A business auto policy will cover commercial vehicles and your employees using there vehicles while working if you choose. A business auto policy is more ala cart where you can add or subtract coverages as needed.For useful information look at http:/www.quotematcher.com/blog


Do you need any special insurance if you are using your personal auto for business reasons?

No.. but you should "declare" business use and mileage to your insurance carrier to avoid problems with a claim down the road.


Do you need additional insurance coverage if you drive a private vehicle for business?

Most personal auto insurance policies will exclude business use of your personal auto. So the answer is you most likely will need a separate business auto policy if you are using your auto for business. There are a few exceptions to this. Some personal auto insurance policies do have a business use class that was intended for the accountant, lawyer, counsultant type who drives from client to client all day long. Or possibly even a real estate agent might find coverage on the personal auto policy. Each insurance company has different rules on what types of "business use" they will tolerate. The best thing to do is call your agent and discuss the possibilites with him/her. And I always recommend, the best place to be is an independent agent. Independant agents have access to several insurance companies and can shop your insurance for you to find the best fit for your needs.


Commercial Auto Insurance Is a Must for Businesses?

When you insure a vehicle that you use for business purposes, make sure that you insure it under an authentic commercial auto insurance policy. A personal auto insurance policy will not cover many business uses of an automobile, and if you make a commercial auto insurance related claim that is not covered on your personal policy it will be denied. Therefore, when you buy or lease a car for business use, contact a commercial auto insurance broker if your general business insurance broker or provider cannot assist you with your commercial auto insurance needs.


If you have a wreck delivering does your insurance have to pay?

Depends ... if you are using a personal auto that is insured for 'pleasure' and using it for delivering goods to customers (which is conducting a business), then NO your insurance will most likely not pay. However, if you have been honest and upfront with your insurance company and have the car insured for use in business venture, then you might be covered.


Do all business owners need commercial auto insurance?

The only time you would not need it is if your personal auto insurance policy already covers you for your business use. If they would not cover then you need to purchase commercial insurance for that vehicle.


What liability coverage is extended to you when you use your car for deliveries while working for your employer?

None, If you have a personal Auto Insurance Policy, " No coverage at all" will extend to you nor to any other injured party while you were engaged in a Delivery Service Business. A Personal Auto Insurance Policy is for the Personal use of your vehicle. Should you have an accident while engaged in a commercial enterprise, your personal Auto Policy will not cover the accident. While engaged in a Delivery Service Business with only a Personal Auto Insurance Policy in place, you are basically driving without coverage. Although a Business Auto Use Endorsement to your Personal Auto Policy will extend coverage for certain Business or job related errands such as occasionally picking up offices supplies and trips to meet with customers, Delivery services are always excluded from a personal Auto Policy. You need to obtain Business or commercial auto coverage to be compliant with your state Insurance Regulations.


What is covered under RBC insurance?

RBC Insurance offers both Personal and Business Insurance. Options for Personal coverage are Home & Property, Auto, Life, Health and Travel Insurance. Options for Business coverage are Life, Health (Disability), Dental, and Credit Insurance.


How can I get into the auto insurance business?

You must get a master degree and additional license to get into the auto insurance business.


What types of insurance does commerce insurance company offer?

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What Insurance services does the Auto Club of Southern California offer?

Auto Club of Southern California offers many different kinds of insurance, including auto, home, life, boat, small business, renters, condo and personal umbrella insurance.


Diffenance in commercial and non commercial insurance?

Commercial Insurance is for a business. (general liability, worker's comp, etc.) The term "non-commercial" insurance isn't generally used. There is commercial insurance and personal insurance (i.e. homeowners, personal auto)


Does personal car insurance cover you while on company business?

No,, while on a company bus you would be covered under the companies insurance.


Does Johnson Insurance provide insurance for businesses?

Johnson Insurance is a full-service insurance agent.They can provide all types of personal and business policies including, but not limited to home, auto, renter's, business umbrellas and professional liability.


Business Auto Insurance?

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Does your personal auto insurance cover an accident that might occur while driving for business purposes in a sales job?

No.


What kind of insurance does M3 Insurance offer to consumers?

M3 Insurance offers a wide rage of insurance including business insurance and employee benefits, and personal insurance like auto, home health, and life.


What type of training do I need to open my own auto insurance business?

You will need an insurance license and the associated traiing to open an auto insurance business


How much more expensive is commercial auto insurance than personal auto insurance?

It varies widely but generally it is less expensive to go with personal. Not many insurance company's will let you register your personal car under commercial auto unless it iv being used in a business. Progressive is the only one i can think of off the top of my head that would allow it.


What type of insurance is provided by the hanover insurance?

The Hanover Insurance Group offers many plans for auto, home and business insurance. They have a variety of packages designed to fit your personal of commercial needs.


Can a company be put on auto insurance as an additional and will this satisfy personal insurance when driving the vehicle on company time?

No, the company cannot drive! If the company wants you to use your personal car for company business, they should provide insurance for that use.


What does commercial auto cover?

Commercial Auto Coverage is insurance that covers vehicles owned and operated for business use. A fleet of company cars, service trucks, etc. Personal Auto Coverage is insurance that covers vehicles for individuals and families.


Where would one go to process an auto accident personal injury insurance claim?

One would or could go to various places. These places include the DMV, or the auto insurance company which distributes their auto insurance to claim an auto accident personal injury insurance claim.


Where can you find business insurance for vehicles?

One can find business insurance for vehicles or commercial auto insurance at a variety of insurance providers. Some of the companies that offer commercial auto insurance include Progressive and Allstate.