Do You Need a Commercial Auto Insurance Policy?

February 13, 2015

Insurance Protection When You Use Your Car for Business Purposes

Investing in the right personal auto insurance policy is the best way to ensure that you and your car are protected while you are on the road. Unfortunately, if you decide to take on a part time job, which requires that you use your car, your existing auto insurance policy will probably not provide enough coverage.

When you use your personal vehicle for work purposes, you are considered a much higher risk to your insurance company. When you use your car for only personal purposes, such as running errands and going out to dinner, you do not drive nearly as much as you would if you used your car for business purposes. The more you drive, the higher the risk that you will be involved in an accident, which is why your personal auto insurance policy will not provide enough protection.

If you are relying on your personal auto insurance policy while you are driving for business purposes and are involved in an accident, your insurance provider can choose to deny your claim. Since you are more of a risk, your auto insurance provider wants to ensure that you are paying for the right amount of coverage.

There are a few options when looking for the right auto insurance policy when you use your car for business purposes. The first is adding a special premium to your policy that will provide coverage when you use your car for work. If that will not provide enough coverage, you may have to invest in a separate commercial auto insurance policy. Talking with your insurance agent will help you decide just how much extra coverage you need to invest in.

Contact the insurance professionals at Access West Inc. in Murrieta, California for all of your car insurance coverage needs and to ensure that you have the right amount of protection.