Do You Need More Affordable California Commercial Auto Insurance?
Usually, when you drive a company vehicle, you will automatically be covered by their California commercial insurance policy. However, that is not the only type of business driving that is done, and there are several situations that one might have questions about. For example, many companies do not provide you with a company car, and they require that you use your own vehicle for business matters. So is your personal vehicle covered by their California commercial insurance policy when you’re using it on business? And what about when you have your own business, and you then use your person vehicle for both? Is a regular auto insurance policy fine, or should you buy California commercial insurance?
It’s distressing. But I’m here to help.
Normally if you work for a big company, then you will be insured by their California commercial insurance policy if you are using your own car while on business. However, if you get into an accident while on business, in some cases your own personal auto insurance policy will cover before their California commercial insurance does. To be sure how it will work, ask your company and ask your own insurance provider.
If you’re doing business when the collision happens, the best idea is to call your company’s California commercial insurance provider first. Then, you call your own. Even if you call your own, you need to tell them that you were using your car for business, but they can’t deny your claim for that, so don’t worry. What they might do, though, is pay your claim now and then try to get the money from your company’s California commercial insurance company after that is done with.
If you do a lot of driving on business with your vehicle, then at the very least you should get more than the minimum coverage. For example, if you have to drive and visit customers all day, then you should up your liability. When it comes to actually carrying customers around and being paid for this, such as when you own a taxi, then it is necessary to get full coverage, but you also might need to buy California commercial insurance. If you don’t tell your California car insurance company, then your company can deny your claim if they find out about it.
If you have a car that is for both personal and business use, but more than half of the time you use it for business, like if you’re a professional painter, then it also might be a good idea to get California commercial insurance. To confirm this, you should call your car insurance company and get your agent’s opinion on the matter, because it is different for everybody.
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