Auto and Car Insurance

Will my insurance cover my business vehicle?

I purchased a car for my business. I had no credit for my business (inc.) so I had to cosign for the vehicle and get it on my credit. When the vehicle was insured I used my personal insurance. If I get into an accident, will my insurance cover it? I believe the vehicle is registered to my business

Public Comments

1. No, if you have Personal Insurance and you are using your vehicle in business it will not be covered. You need to get Commercial Insurance. Your insurance agent will be able to help you further.
2. No, your personal account will not cover commercial use. You need a commercial policy on it.
3. No, if the car is used for business purposes it must be under a commercial policy to have coverage. They are sticklers about this, so make sure you get a commercial policy ASAP.
4. hiya: you absolutely need to have commercial coverage for your business vehicle. personal auto coverage excludes business vehicles. an agent will be able to help you know what kind of coverage you need. ~jifr!
5. depends what you use it for. do you deliver pizzas? then no. do you drive it around with clients as in a realtor? then yes, possibly so. call your agent and they can tell you if you need to write it over to commerical. there ARE certain circumstances you can leave it on a personal policy.
6. If the vehicle is in the business name, you have to have a policy in the business name. Your personal insurance is for only personal vehicles in your personal name. Go get a business auto policy today! Since you can't insure something you don't own, in this case the business owned vehicle, there is NO coverage on your personal policy, even if you pay the premium. Also, the business auto policy has endorsements that protect the business (hired & nonowned & drive other car coverages, etc) that are not available on the personal auto policy. Be sure to buy these too. Call your agent that has your business insurance & get a business auto policy.
7. Nope. You will need to contact your agent about getting an appropriate policy for the business vehicle.