Business use car insurance # Video

Business use car insurance



Business use car insurance

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Using a Personal Car for Business

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  • If you drive your personal car for business purposes, you may need to carry commercial insurance
  • Even if a company hires you solely to drive for them, if you own or lease the vehicle you’re driving, the insurance is your responsibility
  • A business cannot force you to insure a car that they own

Many people don’t purchase their insurance for their personal vehicle with the knowledge that they will someday use it for business.

If you unexpectedly find that you need to drive your vehicle to work for only a single instance, then you probably don’t need to worry about coverage.

If, however, you are using your vehicle for business on a regular basis, then it is time for you to consider your other insurance options.

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Business Use and Independent Contractors

One of the most common mistakes that independent contractors make is not purchasing the right auto insurance for their vehicles.

An independent contractor is a person who is not directly hired by any company. This person may have his or her own business or strictly work from 1099s.

As an independent contractor, if you do work for a client, then you are responsible for your vehicle and anything that you do with your vehicle; your client is not. This misunderstanding is a common mistake.

They believe that if they are carrying a product or doing a service while using their vehicle, then the client becomes their employer and is responsible for their liability.

The truth is, as an independent contractor, you are responsible for yourself, period.

No one else is liable if you cause a car accident. Although other drivers can attempt to sue your client if you don’t have proper coverage, it is unlikely that they would have any success in their pursuit.

Commercial auto insurance is going to be a necessary expense to ensure that you are protected while you are working. Your insurance company has every right to refuse to pay any claims that you make if you cause an accident while you are performing your job.

Here are some independent jobs that you may not be carrying the proper insurance for:

  • Magazine or newspaper delivery
  • Pizza delivery
  • Massage therapist
  • Physical therapist
  • Long-term care technician

While this list is short, its diversity should help you to understand that nearly any type of work that you perform could cause you to need commercial auto insurance.

If you are on your way to see a client and you are carrying equipment for your work, then the insurance company can make the claim that you are using your vehicle for work purposes.

In addition, if you ferry around clients, such as a long-term care technician or a health care specialist might, then you need additional liability insurance to protect your clients.

Without the proper insurance, not only could your insurance refuse to pay your claim, but you could leave yourself open to a lawsuit as well.

Carrying commercial auto insurance rather than personal coverage might be more expensive, but the benefits far outweigh the risks to you.

Business Use and Your Personal Vehicle

There are many companies that hire employees but require them to use their personal vehicle. In this case, it is still your responsibility to carry the proper amount of car insurance.

Business use of your vehicle for your employer doesn’t absolve you of your responsibility when it comes to car insurance.

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SOURCE: http://www.carinsurancecomparison.com/car-insurance-business-use/

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