Wondering if your personal auto insurance is enough when you’re using your car for work?
Finding commercial auto insurance in Hampton Roads, VA can be tricky, but we’re here to make it easy. Whether it’s your van, truck, or limousine, here’s a breakdown to help you figure it out.
Do You Need Commercial Auto Insurance? It’s Possible.
If any of these scenarios sound familiar, commercial auto insurance might be the way to go:
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You use your vehicle for deliveries or pickups (like food, supplies, or newspapers)
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You offer taxi, livery, or limousine services
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You have a vehicle owned or leased by a partnership or corporation
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You rent or lease out your vehicle
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You have registered or titled your vehicle under a business entity
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You drive a vehicle over 10,000 pounds or carry loads exceeding 2,000 pounds
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You have equipped your vehicle with specialized gear (like snow plows, cooking equipment, or toolboxes)
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You have added features like ladder racks or permanent toolboxes
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You have added a logo or a phone number on the outside of your vehicle
Still Unsure? Let’s Break It Down.
Here’s the lowdown on the difference between commercial and personal auto insurance:
Commercial auto insurance steps in when your business or job needs extra protection. It covers things like:
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Any auto liability: This extends your current liability coverage from your existing commercial vehicles to new ones you purchase, as well as non-owned or hired vehicles.
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Trailer interchange insurance: This covers non-owned trailers you haul under a trailer interchange agreement.
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Rental reimbursement with downtime: This insurance offsets costs incurred when temporarily replacing an inoperable commercial vehicle.
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Single-deductible options: Extend coverage to specialized equipment or trailers, allowing you to pay one deductible for both vehicle and trailer claims.
Need to Reassess Your Coverage?
Whether you’re thinking of adding commercial auto insurance or want a fresh policy altogether, we’re here to assist. Our knowledgeable agents are ready to address all your insurance queries and provide tailored solutions. Contact us at Goodrich & Watson Insurers today to ensure you’re fully protected on the road!
Need assistance with your car insurance? Stop by our Newport News, VA office, call us 757-591-2032, or submit a quote request. We compare the prices of 30+ insurance companies so you don’t have to.
