Of the miles you have logged on your car, it’s likely that a lot of them have been used getting to and from work. But if your job involves driving that is not part of a normal commute, talk to an auto insurance agent. Personal coverage rarely extends to accidents that occur while a vehicle is being used in a commercial capacity.

What Is Commercial Use?

Do you use your car to haul or deliver goods, tools, or equipment? Do you work for Uber® or Lyft® on the side, transporting clients? Do you walk dogs on the weekends, regularly driving to pet owners’ houses across town? These are just some possible examples of commercial use. Since most auto insurance premiums are based on assumptions about how much the average person drives, anything that causes your mileage to be greater than that leaves you open to additional risk.

What's the Difference Between Commercial & Personal Auto Insurance?

Personal and commercial auto insurance policies both include comprehensive and collision coverage, as well as bodily injury and property damage liability. However, commercial policies typically have higher liability limits. Commercial auto insurance also features coverage for the delivery and transport of both goods and people.

How to Make Sure You're Covered

Talk to an insurance agent about your specific circumstances. If you use your vehicle primarily for business, you will likely need to acquire a commercial policy to receive reimbursement for medical expenses and repairs needed after an accident. However, if you use your car for work purposes only on occasion, you may be able to modify your current policy instead. 

Should the Business Pay for It?

Business owners who want to protect their company financially typically pay for commercial auto insurance for their employees who drive for work. They do this because they want to protect their business from liability claims and lawsuits. However, even if your employer does not carry this insurance, get a commercial policy to protect yourself.

If you are looking for commercial auto insurance, turn to the experts at Barry Insurance in Texarkana, TX. Since 1962, they have been providing insurance coverage to residents and businesses throughout Bowie County. This family-owned and -operated agency will help find the insurance you need at affordable rates, whether you are looking for auto, health, or life insurance. Call (903) 831-3493 today to get a free quote or visit them online for more information.