The reality is that many Americans today are dual income earners with a “day job” and often a small business that is run out of their home or second office. Most people in that situation use their family automobile for both personal and business use, and may not have contacted their auto insurance provider to inquire about additional car insurance. If this describes you,it may be important to take a look at your auto insurance policy to be sure you have the proper coverage. You may need to add commercial auto insurance coverage to protect you and your family during the times your vehicle is used for commercial purposes. Deciding if you need commercial coverage will depend on several factors, including how you have set up your business,the actual use and the auto insurance company you are insured with . Every auto insurance company considers additional guidelines in determining commercial usage and most will add a surcharge for commercial use on a personal auto insurance policy.
To determine whether you need commercial car insurance coverage, Phoenix auto insurance suggests asking the following questions of your agent or car insurance company.
What do car insurance companies consider commercial use?
Generally speaking, anyone who is” transporting goods or passengers for a fee ” will fall under the definition of commercial use and in most cases require a commercial vehicle policy. Pizza delivery ,lawn maintenance , snow plowing are just a few examples of businesses where commercial auto insurance coverage may be required even when using a personal vehicle to perform the service. When getting an auto insurance quote from Phoenix Auto Insurance be sure to let the insurance provider know if you will be using your personal car for commercial use.
Will additional liability coverage be necessary?
This question is critical for your peace of mind. Liability coverages usually are higher on commercial auto insurance policies and but it is important that you ask specifically to fully understand your car insurance coverage. In some cases, it is possible that additional liability coverage is not provided.
Can any employee of the company drive the vehicle?
In most cases it is an easy add additional drivers. Most car insurance companies will only ask you to provide a copy of the employees drivers license for their files . However, in some cases an employees driving record may affect the auto insurance quote. It is important to maintain good employee records, regarding the dates and times an employee was required to drive on behalf of the company.
Remember to ask questions and shop around for the best auto insurance quotes. You’ll find many of the industries leading auto insurance companies at Phoenix Auto Insurance .
To get additional information and free, no obligation auto insurance quotes visit Phoenix Auto Insurance.