There are two kinds of auto insurance: personal and commercial, and the type you need depends on how you use your vehicle. However, the difference between private and business use is not always clear. Aaron Insurance Agency in Dothan, AL, is a trusted source of policies and explains the details of each car insurance plan so you will know what you need.
Personal Auto Insurance
Personal car insurance is the right choice if you use your vehicle primarily for activities of daily life, such as errands and commuting to your place of employment. Driving to and from your job is not considered a work function because you aren’t using your vehicle in the course of your employment duties. Even in cases of minor overlapping of private and professional use, a standard auto insurance policy is sufficient. For instance, if you use your car to run an errand for your boss during work hours, your individual plan will cover damages for a mishap during the trip.
Commercial Car Insurance
If using your car to run errands or make deliveries is a routine part of your job, you probably need a commercial policy. For instance, pizza delivery drivers, couriers, messengers, and independent taxi and Uber® drivers must protect themselves from liability with commercial auto insurance if they use their personal vehicle on the job. An independent real estate agent who uses their car to transport clients to and from property listings also should have a commercial plan.
To ensure you’re covered for an accident involving your vehicle no matter how you use it, explain your situation to an insurance agent and ask them to recommend the policy that's best for you. Aaron Insurance Agency, the most experienced provider of auto insurance in Dothan, AL, will help you get the plan you need. Visit their website to request a quote and call (334) 712-0777 to schedule a consultation. Like them on Facebook for more tips from the agency.