Will commercial insurance cover the personal car I use for my business?

Many business owners use their personal cars for company affairs. As a result, determining the proper type of coverage is in order. Will your personal car insurance cover your vehicle if you use it for business, or should you invest in commercial auto insurance? These are good questions. The answer to these questions is heavily based on how you use your car for business. Our team at Wichalonis Insurance Agency is invested in helping Cumming, GA business owners find the best type of auto coverage. 

What is Commercial Auto Insurance?

Commercial auto insurance is designed to provide liability coverage for the vehicles used in your business. Like personal car insurance, commercial car insurance is designed to provide liability protection for accidents or damage caused by company-used vehicles. This insurance also provides personal injury coverage for anyone injured while driving or riding in vehicles owned/used by your company. 

Will Commercial Auto Insurance Cover my Personal Car if Used for Business?

If your personal car is used for business purposes, it can be covered under a commercial auto policy. Depending on what you use your vehicle for, your personal auto insurance may not cover the vehicle you use for business. There’s a risk factor that an insurance company will consider. You could be charged more or denied coverage altogether. Our team at Wichalonis Insurance Agency will gladly help Georgia business owners explore the benefits of commercial auto insurance. Simply using your car for business trips would make it eligible for business/commercial auto insurance. However, one of our agents would be happy to go into more detail. Give us a call. We’re standing by.