If you're starting a business — or if you're going to buy a fleet of business vehicles — you should consider commercial auto insurance. This coverage will protect you in the event one of your commercial vehicles are involved in an accident. Here's more about when and why you need commercial auto insurance.
Who Needs Commercial Auto Insurance?
A common question that many people have is whether you should get personal or commercial auto insurance. In general, if you will be using a vehicle to transport people for money or will be delivering products to customers, you should consider getting commercial auto insurance. Similarly, commercial auto insurance coverage is prudent if you drive long distances regularly to visit job sites or work clients, or if you haul equipment and tools to a work site. On the other hand, if you're only using your vehicle for commuting to work, taking personal trips, or getting around town, you should stick with personal auto insurance. If you're still unsure whether you should get personal or commercial auto insurance, an Auto Insurance Discounters agent will be able to help you make the distinction.
In general, there is no limit in terms of how much you can drive a vehicle when it comes to personal auto insurance. The distinction between personal auto insurance and commercial auto insurance is based on why you're driving instead of where you are driving.
Modify Your Policy
If you currently have personal auto insurance, you may be able to speak to your Auto Insurance Discounters agent to help you decide whether commercial auto insurance would better suit your needs. If you and your agent decide that commercial auto insurance is ideal, your agent will be able to help you modify your policy.
For more information on commercial auto insurance, don't hesitate to contact us.