Suppose you frequently use your personal vehicle for business purposes in Kansas. In that case, you may wonder whether your personal auto insurance policy will cover damages or injuries in the event of an accident. Even occasional business use of your vehicle can have insurance implications. Understanding these nuances is essential when your personal car takes on commercial responsibilities. Let Marla Williams Agency guide you on how to protect your personal vehicle when driving for business.
Exclusions in Personal Auto Insurance Policies
Personal auto insurance policies often include exclusions for using your vehicle for commercial purposes, even for short errands or deliveries. However, commuting to and from your job is typically covered. The rationale behind this exclusion is that your employer should provide coverage through a commercial auto insurance policy. Unfortunately, not all companies extend this coverage, leaving you to explore other options.
Options to Protect Yourself and Your Vehicle
Many employers expect you to handle your own insurance when using your vehicle for work. If you work as a rideshare driver, delivery person, or in another role that requires frequent driving for business, you may need to purchase additional insurance to cover these activities. If you own the business, consider investing in a commercial auto policy. Even if you only need coverage for yourself and a few employees, a commercial policy can be deducted as a business expense.
If you work for someone else and a commercial policy isn’t feasible, you can explore adding a special endorsement to your personal auto insurance policy. This endorsement can provide coverage for business-related driving activities.
Learn more about how to protect yourself and your vehicle while working. Contact Marla Williams Agency, serving Kansas, to schedule an appointment and discuss your options.
