Personal or commercial auto insurance: which is right for you?
If, like many Americans, your family car is also used for purposes that may be considered commercial use, you may want to drive myself into a Chair and have a look at Your insurance policy.
You should consider buying a commercial policy or make sure that your personal automobile policy include a vehicle for business use.
Whether you need a commercial policy depends on how you use your vehicle and the company You are insured with it. Every company has different guidelines and may cost extra for the coverage of the business use of a personal auto policy.
If you are not sure if business use is covered in this privacy policy, it is important to contact Your agent or insurance company. The progressive group of insurance companies had collected the fourth question you might want to ask:
How do companies determine the commercial use? One definition could include "involved in transporting goods for compensation or fees," which includes the delivery of pizza or newspapers, catering, consultancy services from the door to the House, the landscape or snowplowing business, logging, service daycare or church van or Ranch-to-market delivery. People who do this kind of work should consider purchasing a commercial vehicle policy.
Do you need more liability than on providing personal auto policy? Generally, commercial automobile policy offers liability limits are higher, but less or no scope in the region that are normally not associated with risk of commercial automotive.
Do you need special coverage for situations encountered while doing business? Commercial car policy usually offers this protection, and it is usually not possible with personal auto policy. This includes coverage and coverage automatically employed and don't have to pull the trailer for business use.
Do you need to list the employees as drivers? Commercial car policy allows you to register the people you employ. You do not have the option of a personal auto policy.
In General, you need a car commercial coverage if Your vehicle use is owned by a partnership or company driven by its employees, or if it is used for transporting equipment or equipment weighing over 500 pounds, do shipping or heavy enough to require State or federal filings.
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