Many small business owners use their own vehicles for work, but what if you’re in an accident while making deliveries or house calls? Unfortunately, you might find out too late that your personal auto insurance policy doesn’t cover accidents that occur while you’re working. To make sure you’re fully protected against the hazards of the road, you might need commercial insurance to cover your business activities.

Why Don’t Personal Auto Insurance Policies Cover Business Driving?

How the Risks Are Calculated

Auto insurers base their quotes on how likely you are to file a claim, which means factoring in how much you drive. Personal policies assume that you commute to school, run errands, and take occasional road trips. The more time you spend behind the wheel, the higher your risk of getting into an accident and filing a claim, so your insurer will need to recalculate your premiums. Business driving can also be riskier than your typical commute since you might find yourself in parts of town you’re not familiar with on a regular basis.

What Happens After an Accident

If you’re involved in an accident while using your business, your auto insurance company might deny your claim entirely. This may leave you unable to pay for your vehicle repairs or liable for someone else’s injuries if you caused the accident. Depending on your insurer’s policy, they may drop your policy and force you to find another company.

Whether you’re using your vehicle for work or just shopping for the best rates available, the professionals at P.D.H Insurance Brokerage in Valley Stream, NY, have the expertise to ensure you have the coverage you need at the best rates available. This independent insurance broker offers auto insurance policies from several of the nation’s leading carriers, giving them a wide selection of policies to choose from. To discuss your needs and request a quote, call their offices at (516) 561-5227 today or visit them online.