Can I Cover My Personal Car with Commercial Auto Insurance?

Commercial auto insurance is designed to provide financial protection for vehicles used for business purposes. This type of insurance typically covers many vehicles, including cars, trucks and vans. Commercial auto insurance policies often offer higher liability limits and additional coverage tailored to the needs of businesses, such as coverage for hired and nonowned vehicles, as well as protection for employees driving company vehicles.

When to Consider Commercial Auto Insurance

You may need commercial auto insurance if you use your personal car for business purposes, such as making deliveries, transporting clients or traveling between job sites. Personal auto insurance policies generally exclude coverage for business-related activities, which means that if you get into an accident while using your car for work, your personal policy may not provide the necessary financial protection. Commercial auto insurance can help ensure you are adequately covered in such cases. It’s essential to discuss your situation with your insurance agent.

Do Ride-share Drivers Need Commercial Coverage?

If you use your vehicle to drive for a ride-share company, such as Uber or Lyft, or to deliver groceries or food, the company typically offers liability coverage to meet state commercial auto insurance requirements.

You may need to add physical damage coverage, including comprehensive and collision insurance. Your agent may recommend purchasing additional liability coverage, as state minimums are typically low and may not fully cover your liability for third-party accident-related injuries and property damage.

Your agent can help customize your coverage to meet your needs. They can also explain the specific coverages available under a commercial policy and how they differ from personal auto insurance.

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This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.