Is Business Use Covered By My Personal Auto Insurance

Business companies often require an automobile for work-related activities. Typically, you will need personal auto insurance to protect yourself and your car when accidents occur.

Many people use their cars for work and spend longer on the road, where accidents are more likely to occur. Due to the high demand for coverage, your auto insurance may not compensate for private vehicles used for work. 

Does Personal Car Insurance Cover Business Use?
Personal auto insurance has narrow coverage that excludes commercial cars. Only personal driving, occasions, and non-routine business works can use the policy's coverage. Getting involved in an accident while driving your private car at work, you may need more than your standard auto insurance coverage to meet your financial needs. 

On the other hand, you may insure your vehicle with business auto insurance to secure your car during desperate moments.

Types of Business Insurance

Commercial Car Insurance
A commercial car insurance policy is likely the same as your standard auto insurance policy. What makes it unique is that it may cover your company's vehicles and cars used in business. Commercial insurance may protect you and your employee if something unfortunate happens while doing business. It should cover the cost of your car repair. 

The coverage of commercial car insurance typically includes:

1. Repair Bills
   When your car gets damaged during work hours, commercial car insurance may help you to pay the fees of your repair bills. 
   
   
2. Legal Cost
   In some circumstances wherein you and your employee got into an accident for which you are the ones who are responsible, you may be able to use the policy of your commercial car insurance.
   
   
3. Medical Expenses
   Whether you or your employee drives the company car, the policy may compensate for your medical fees.

Hired and Non-Owned Auto Insurance
Hired and non-owned auto insurance is used when you drive a rented or personal car at work. For instance, you rented a car for business trips, but it got damaged due to an accident. HNOA may help with the rented vehicle's repair.  

Conclusion 
Business car insurance gives you more benefits than personal auto insurance, especially when running a business. In addition, the policy will safeguard you and your employees.

At McClain Matthews Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (317) 298-7500. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!