Valley Stream, New York
19 W Merrick Rd
Valley Stream, NY 11580
(516) 561-5227

Why Personal Auto Insurance Policies Don't Cover Business Use September 14, 2018

Valley Stream, Nassau County
Why Personal Auto Insurance Policies Don't Cover Business Use, Valley Stream, New York

Many small business owners use their own vehicles for work, but what if you’re in an accident while making deliveries or house calls? Unfortunately, you might find out too late that your personal auto insurance policy doesn’t cover accidents that occur while you’re working. To make sure you’re fully protected against the hazards of the road, you might need commercial insurance to cover your business activities.

Why Don’t Personal Auto Insurance Policies Cover Business Driving?

How the Risks Are Calculated

auto insuranceAuto insurers base their quotes on how likely you are to file a claim, which means factoring in how much you drive. Personal policies assume that you commute to school, run errands, and take occasional road trips. The more time you spend behind the wheel, the higher your risk of getting into an accident and filing a claim, so your insurer will need to recalculate your premiums. Business driving can also be riskier than your typical commute since you might find yourself in parts of town you’re not familiar with on a regular basis.

What Happens After an Accident

If you’re involved in an accident while using your business, your auto insurance company might deny your claim entirely. This may leave you unable to pay for your vehicle repairs or liable for someone else’s injuries if you caused the accident. Depending on your insurer’s policy, they may drop your policy and force you to find another company.

 

Whether you’re using your vehicle for work or just shopping for the best rates available, the professionals at P.D.H Insurance Brokerage in Valley Stream, NY, have the expertise to ensure you have the coverage you need at the best rates available. This independent insurance broker offers auto insurance policies from several of the nation’s leading carriers, giving them a wide selection of policies to choose from. To discuss your needs and request a quote, call their offices at (516) 561-5227 today or visit them online.

Other Announcements, Events and Deals from P.D.H Insurance Brokerage, Inc
How to Prepare for Flash Flooding, Valley Stream, New York
Flash flooding is incredibly dangerous because it often happens with little to no warning. As a result, the effects are usually devastating. While you can't control Mother Nature, yo...read more
An Insurance Broker Offers 3 Tips on Finding RV Coverage, Valley Stream, New York
Recreational vehicles — such as RVs — are unique in that they are part home and part conveyance. As a result, adding on to your existing car insurance policy probably won’t offe...read more
What to Know About Commercial Auto Insurance, Valley Stream, New York
Business owners often make the mistake of believing company vehicles are covered under their personal policy. However, businesses that have designated cars or trucks f...read more
Professional Liability Insurance Won’t Cover Everything, Valley Stream, New York
As a business owner, you’ll do everything possible to protect your company. For most businesses, a professional liability policy will be enough to protect their interests. However, n...read more