just wondering if either of the options causes a higher insurance rate. Or is business or pleasure is considered more risky by insurers.
2007-11-27 16:41:36 · 10 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
oh fyi i was traveling for business and that is what i told the insurance. i was just wondering if there was any difference if i told them i was driving for personal reasons.
2007-11-27 16:55:10 · update #1
Like you've been told, always tell the truth, as people who lie have trouble keeping the story straight, which can cause any settlement to be suspect.
I doubt that they are as concerned about whether your trip was business or pleasure as they are concerned about who and what caused the accident.
If you were on business, and it was your car insured as a pleasure vehicle, they might be concerned as to the amount of business travel you have used the car for. If you've used a car mostly for business travel after telling them it's primarily a pleasure use vehicle, then you might have a rate increase on that basis. It would also indicate that you lied on your insurance application.
2007-11-27 23:32:40 · answer #1 · answered by Nedra E 7 · 0⤊ 0⤋
1
2016-09-25 19:12:53 · answer #2 · answered by ? 3 · 0⤊ 0⤋
Well...what WERE you doing?
Typically, it is better to tell the truth the FIRST time - that way you don't have to try and figure out how to cover your tracks when the insurance company does their investigation.
So, tell a lie - turns to fraudulent claim and the claim is denied and you become PERSONALLY liable for damages.....
Now - what SHOULD you do??
Also - if you ARE traveling for business - is it incidental? Are you throwing a paper route or delivering pizza? Hauling tools in your truck? Do you want you business brought into the equation and have IT sued???
Best to tell the truth and get on with your life!
Good luck and I hope this helps!
2007-11-27 16:53:20 · answer #3 · answered by Insuranceman 6 · 0⤊ 0⤋
Business or pleasure may affect your rates. If you are using the vehicle for business use, at the next renewal they will probably switch your policy to busines use. If you are doing any type of delivery with your vehicle many companies will deny the claim. Delivery is excluded in most insurance policies.
2007-11-28 00:28:53 · answer #4 · answered by blb 5 · 0⤊ 0⤋
Tell them the truth.
As far as I know the purpose of the trip does not affect your rates. If it's an at fault accident - it's an at fault accident and it does not matter if you were on your way to work or on your way to church. Your agent can tell you more as rating varies from state to state.
If you were drunk - that is not going to affect your rates - it may just give them cause to cancel you.
2007-11-28 00:01:02 · answer #5 · answered by Boots 7 · 0⤊ 0⤋
If you tell them that you were using the car for business purposes, they may have valid grounds to refuse the claim. Most policies explicitly state that the vehicle is for personal use, not business.
2007-11-27 16:52:16 · answer #6 · answered by xtowgrunt 6 · 0⤊ 1⤋
Always tell the truth.
2007-11-27 16:43:58 · answer #7 · answered by Anonymous · 0⤊ 0⤋
THE TRUTH BECAUSE IF THEY FIND OUT DIFFERENT THEY MAY REFUSE THE CLAIM.
2007-11-28 00:37:23 · answer #8 · answered by Anonymous · 0⤊ 0⤋
If you lie the s**t WILL hit the fan.
2007-11-27 20:53:13 · answer #9 · answered by Gwyhir 2 · 0⤊ 0⤋
Say whatever is true.
2007-11-27 16:50:35 · answer #10 · answered by Otto 7 · 0⤊ 0⤋