2006-09-15 07:10:07 · 6 answers · asked by mrfourtwentynine 2 in Cars & Transportation ➔ Insurance & Registration
Nope. For the same vehicle you do not have to buy two policies, one for work and one for personal use. However, you have to make sure that the insurance company knows that the car is used for both purposes and give them an estimated number of miles you drive on each week.
Another important thing to consider is how the car is titled. If someone else's name is on the title (i.e. your spouse, business partner), even though the car is insured with your name, they could still be liable if you are in an accident. Your insurance agent should be able to answer your question about you local/state regulation regarding liability.
2006-09-15 07:15:57 · answer #1 · answered by JQT 6 · 0⤊ 0⤋
What are you delivering? How often do you use it for work? Your state should have a business class rating that you can change your driving class to. If you do a lot of deliveries I would change the rated driving class and increase your liability limits. If something happens and you are involved in an accident. If that person or person's attorney finds out that you were working they might try to get more insurance money from you and if you policy doesn't cover it then they can come after you. So may advice is pay a little extra now and not a whole lot later.
2006-09-15 07:23:41 · answer #2 · answered by Renee V 1 · 0⤊ 0⤋
If you are using your vehicle for business use (delivery) you only need one policy. HOWEVER, you need to be sure that you are properly insured. Contact your agent, they can issue a new policy to cover you for the proper coverage (usually it is a 100/300/100 policy) and you may have to add your employer (company that you deliver for) as an additional insured.
2006-09-18 02:40:27 · answer #3 · answered by deadcars42 3 · 0⤊ 0⤋
No. There are not any situations once you canchronic on the line without insurance or tax. you canchronic without an MOT certificate yet on condition that you're employing on to a pre-booked MOT try. lately, maximum insurers function call centres which open previous due, so saying you drove without insurance because you would possibly want to not get any wont be a suitable reason in court docket.
2016-11-27 00:44:25 · answer #4 · answered by keeven 4 · 0⤊ 0⤋
If you are delivering something for money, then a personal auto policy normally excludes all coverage for any accidents that might occur - that's damage to YOUR car, and damage to anyone elses you might hit.
2006-09-16 11:24:24 · answer #5 · answered by Anonymous 7 · 0⤊ 0⤋
No but your employer will probably require that you have minimum of 300,000 per incident and 1 million aggregate for your liability limits.
2006-09-15 07:18:25 · answer #6 · answered by SunFun 5 · 0⤊ 0⤋