Does My Personal Auto Insurance Covers Business Travel?

If you use your vehicle for work purposes, having the right auto insurance is important. Whether you travel to see clients or deliver products with your personal vehicle, it’s important to consider commercial auto coverage to limit your liability. At THINK Insurance & Financial Services in Pomona, CA, our agents can evaluate your existing auto insurance and help you obtain the right commercial auto insurance policy.

Your Personal Auto Insurance Doesn’t Cover Business Travel

Personal auto policies aren’t designed with work accidents in line. Whether you or an employee drive for business-related purposes, you may find yourself footing the bill for repairs if you fail to obtain the right insurance.

Although your personal auto insurance doesn’t cover business use, you can still protect your private vehicle as well as your commercial fleet. Talk to your insurance agent to determine how to reduce your liability with the proper coverage.

Although it’s rare, many things can go wrong whenever you or an employee get behind the wheel. Commercial auto insurance may cover medical expenses, property damage, legal fees, and other liabilities associated with work-related car accidents.

What’s Covered Under Commercial Auto Insurance?

In a basic plan, commercial auto insurance typically pays for damage to other vehicles in an accident you cause, damage to your vehicle in case of an uninsured or underinsured motorist, and many of the same expenses covered by your personal auto insurance.

Collision coverage covers the cost to repair and replace your vehicle if you hit another object besides a car. This may include wildlife that runs out in front of your vehicle, causing damage. You and other authorized drivers and all passengers may receive medical coverage for injuries incurred in business-related accidents.

Some policies also cover lost wages and legal fees where applicable. Find out more about potential coverage options when you speak to your agent. Our team will tailor coverage to your business needs. Contact THINK Insurance & Financial Services today to schedule a free consultation regarding commercial auto insurance in Pomona, CA.