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Do I Need Private and Commercial Auto Insurance?

Deciding what kind of auto insurance you need can be difficult, especially if you have a vehicle you use for business and personal purposes. Understanding commercial car insurance vs private insurance is critical in determining what plan is best for you. However, in many cases, it may benefit you to have both commercial and private auto insurance. Ultimately, it comes down to why you’re driving to certain places and whether or not you’re carrying anything or anyone related to business dealings.

How to Know a Trip is Personal or Commercial

Some travels are very clearly personal, such as going on a family vacation or driving to the movies with a group of friends. Confusion really begins with travels like commutes. While commuters get you to work and you can use them for tax write-offs, they’re covered by personal insurance. However, if you were to transport a client or business partner, that would require commercial insurance to cover any risks. The same goes for transporting job-related equipment. It can get even more complicated when your job requires a lot of driving. If you frequently drive to different locations throughout the workday to fulfill your job responsibilities, commercial auto insurance may be necessary, regardless of whether you have anyone else in your vehicle. In these types of situations, if you use your personal vehicle, both commercial and private insurance would be a good idea.

Avoiding confusion with regards to auto insurance is as simple as speaking with a qualified professional. Make sure you know what coverage you need and stay protected.