Do I Need Commercial Auto Insurance if I Use My Personal Car for Work?

Using a personal vehicle for work may not be covered under your standard auto policy. If an accident happens on the job, you could be left covering the costs yourself. American West Insurance Agency Inc. offers commercial auto insurance for Washington drivers.

When Does Personal Auto Insurance Fall Short?

Personal auto insurance covers everyday driving, like commuting and errands. But if you use your vehicle for business, such as deliveries, client visits or traveling between job sites, your policy may not cover you. Most standard personal policies exclude business use, so a work-related claim may be denied.

Who Needs Commercial Auto Insurance?

You may need commercial auto insurance if you use your vehicle for business activities such as:

• Making deliveries or transporting equipment
• Visiting clients or traveling between job sites
• Carrying passengers or goods for a fee

The same applies if employees drive your car for work. Small business owners, freelancers and anyone relying on a personal vehicle for business should review their coverage. In addition, Washington state regulations and your insurer’s guidelines can determine whether commercial auto insurance is required.

What Does This Policy Cover?

Commercial auto insurance typically offers:

• Liability coverage for accidents that occur during business use
• Coverage for damage to your vehicle while working
• Options for higher coverage limits than personal policies

It’s worth noting that commercial auto insurance typically requires hired and non-owned coverage to be included if you plan to use a personal vehicle for business purposes.

Our Team Can Help

American West Insurance Agency Inc. works with drivers across Seattle, WA to review their risks and recommend the right insurance options. Contact us today to get a free custom quote.

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.