This will vary depending on driving record, the car you drive, your age, the company that you are insured with, the coverage that you choose, where you live and probably a factor or two more. The best thing you can do is to do your homework and call a few companies in your area to find out if you are getting the best premium and coverage for your situation.
Most likely yes, but what do you want to be covered for? Unless you made a material misrepresentation about how you would be using your vehicle to your insurance company. In my occupation I make house calls and as such I have a business use classification on my personal insurance policy so that there are no misrepresentation issues if an accident happens in route to a clients home or office. Yes, there is additional premium for a business use class but it sure beats a claim being denied. Consult your insurance agent to verify whether a business use class would be appropriate for your particular situation.
You have a major problem. Generally auto insurance are issues as "personal". If you do business, you need a business option in addition to your personal policy. While you are on business, you are not covered. You did not provide specific information, contract or agreement, but while you are on business, it is your employer's business and your employer's cost. Your state department of labor may be able to assist you further. Check out www.ForYourEyesOnlyAgency.com
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.
Your personal auto insurance will be secondary to the insurance of the vehicle that you are driving (assuming you do not own it and it is not a business vehicle). If you get involved in a car accident while you are operating a vehicle that is -not- yours, then the insurance of that vehicle has to pay first, and if that insurance is not enough (or is not there) then your insurance will kick in. Notice that if you get pulled over by police they will ask you to show proof of insurance on the vehicle (not your insurance.) The law requires all vehicles to be insured, not individuals.
Yes. All commercial driving requires both a special type of license as well as a special "rider" on your insurance. However, the legal requirement for the insurance is most likely met by the company that owns the insurance-- that is, the truck is what is covered. So, the law probably does not require you to get additional insurance. As a semi driver, you will eventually want to be insured for personal liability-- so that your family is protected should you cause an accident during your job.
You are not required to purchase additional auto insurance coverage when driving your personal use BC registered vehicle into the United States. ICBC will provided the coverage stated in your insurance contract provided you are complying with the laws of that state. However, most insurance brokers will recommend increasing your third party liability limit to the $5,000,000 maximum as claim amounts tend to be higher in the United States and the claim amount paid will be in Canadian dollars, so the exchange rate is a factor in the total amount available for claim payments.
Any sort of insurance, especially personal insurance, will require the disclosure of some personal information. This is because insurance is priced and issued based upon the assessment of risk factors that are relevant to the kind of insurance involved. Therefore, to get an auto insurance quote, it is relevant to the insurer to know, among other things, your driving history, your age, how much you will drive, and where the car will be principally garaged.
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