Using Your Personal Vehicle for Working 

Cars, trucks, vans and other automobiles are often integral parts of business operations in many industries. Given the various tasks you may need to complete, it may sometimes be more convenient for you or your employees to use personal vehicles to accomplish them. However, this can raise questions and complications regarding your insurance. At Pacelli Insurance, we’re prepared to help you tackle this potentially confusing topic.

Does Personal Auto Insurance Cover Business Use?

Generally, no, you cannot rely on a standard personal auto insurance policy to offer coverage when a personal vehicle is being used for commercial reasons. This means that if you run a business and your employees are traveling for work in their personal vehicle, or you are a sole proprietor without a vehicle designated for company use, you’ll need to look into other coverage options. Failing to maintain appropriate auto insurance is illegal in most states, including Pennsylvania.

How Can I Cover Personal Vehicles?

There are several ways you might approach your business’s coverage needs when using personal automobiles. Consider the following options and how each might suit your situation:

• Commercial auto insurance—If you’re self-employed or use your vehicle regularly for business purposes, you may need this type of policy. Coverage can often be tailored to suit your unique needs and circumstances and may offer higher limits and more versatile coverage than a personal policy.

• Hired and non-owned auto coverage—This is a component of many commercial auto insurance policies that can cover third-party losses for which your business may be at fault while employees are using personal vehicles. This might include situations where an employee causes an accident where other motorists or pedestrians are injured or their property is damaged.

Depending on how you use your vehicle, you may also want to look into more nuanced coverage options. For example, if you drive for Lyft or Uber, you might want to ask your agent about rideshare insurance.

Learn More

At Pacelli Insurance in Saint Marys, PA, we’re well-positioned to help you make sure you and your business have suitable coverage while using personal vehicles. Contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.