Commercial Auto Insurance


Commercial Auto Insurance Information

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

**Disclaimer: All information presented on this web site is for general informational purposes only, and does not constitute, nor is it intended to be, legal advice. The information provided on this website is not a comprehensive treatment of any subject matter and cannot presume to apply in all circumstances and situations. Please consult your attorney for advice relating to your specific case or circumstance. As laws continually change there may be times when the information on this web site will not be current, including any fines and fees. There is no express or implied warranty on the reliability or appropriateness of said information, and no assumption of liability for any consequence resulting in your reliance upon any information contained herein.

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