2007-May-16
Driving On The Job
Most people who have jobs use their cars some way or another in connection with their employment. So what kind of auto insurance do you need if you use your car for your work?
It all comes down to what you are carrying. If drive around in your car delivering goods for sale to customers then you need to have a commercial auto insurance policy. This will cost more, so make sure your employer covers it in your pay package.
If, however, you drive around carrying only samples or brochures then you don't need commercial insurance: you need business class insurance. Again, it costs more (but not as much as commercial). Claim the extra on your expenses.
If you don't normally do either of these activities but you occasionally use your car to visit clients or run errands for your company you are probably OK. But check with your auto insurance agent to be sure. Mistakes can be expensive!
It all comes down to what you are carrying. If drive around in your car delivering goods for sale to customers then you need to have a commercial auto insurance policy. This will cost more, so make sure your employer covers it in your pay package.
If, however, you drive around carrying only samples or brochures then you don't need commercial insurance: you need business class insurance. Again, it costs more (but not as much as commercial). Claim the extra on your expenses.
If you don't normally do either of these activities but you occasionally use your car to visit clients or run errands for your company you are probably OK. But check with your auto insurance agent to be sure. Mistakes can be expensive!