Making Sure Business Vehicles Are Properly Insured

Why get car insurance? In many states it’s the law; you want to protect your property; and of course you want to be sure that you and your family are protected. But what about business vehicles?

How Do You Know If You Need Commercial Car Insurance?

There are certain circumstances under which your car is not covered, should it be used for commercial needs. If the vehicle itself is used only for business, or has commercial license plates, it is crucial that you insure it with a commercial auto insurance policy. A commercial policy also covers mobile equipment; non owned or hired vehicles; subrogation waiver; and additionally insures third party drivers.

What Type Of Business Usage Is Acceptable On Personal Insurance?

If you don’t have to get a commercial insurance policy you may stand a better chance of getting cheap car insurance quotes. Do however, let your insurance provider know exactly what you use your vehicle for. Here are some business activities that are allowed under a personal auto insurance policy:

• As long as there is no recurring transportation of persons, driving done by social workers or healthcare professionals dealing with homebound patients.
• Those who do carry clients on a regular basis can still be insured if they belong in the profession of consultants, doctors, clergy, accountants, lawyers and real estate agents.

Usually a phone call or a quick visit online can land you an insurance agent to help with your decision.

Tags: auto insurance, insurance, vehicles