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Should You Choose Personal or Commercial Auto Insurance?

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There are two main types of insurance that you can get for your car; commercial auto insurance and personal auto insurance.  These are two very distinct types of insurance and it is important to understand the nature of both before deciding between the two.  Each type has positives and negatives and each has a different price range.  All this information is vital in order make the decision on which insurance is right for you.

Personal Auto Insurance

Personal auto insurance is just that, insurance that is purchased for the use of you and your family and not for business reasons.  Your coverage is set to reflect the normal use that your vehicle goes through when driving the children to school or purchasing groceries.  If you are in an accident, your coverage reflects this type of driving and you would typically be covered.  You choose the amount of insurance you want when you purchase your policy.  For instance, if you only have liability insurance, your vehicle would not be covered if you are found at fault in an accident.  This also means anyone injured in the accident would not be covered either and this could become costly.

Commercial Auto Insurance

Commercial auto insurance offers a wider range of coverage than personal insurance and it is vital to have if your car is used at anytime for business purposes.  Even pizza delivery drivers need to have this type of insurance since their vehicle is used for work purposes.  If there were to be an accident in a car that was being used for work and the car only had personal insurance, the insurance company can refuse to pay the claim.  Another positive aspect of commercial auto insurance is that you can insure multiple vehicles and drivers so when the vehicle is used by another driver or in another vehicle, they are also fully covered.

Anytime a car is driven for business purposes it is vital to have commercial auto insurance in order to be fully protected.  If you own more than one vehicle you should have the same coverage on both.  This saves you in the event the business vehicle is out of commission and the other vehicle is driven for work.  While commercial insurance can cost a bit more, the difference in price is not as much as you might think and many find it quite affordable for the amount of coverage that is offered.