You don’t need to drive a company car to need commercial auto insurance – in fact, there are several ways you could using your car on a usual basis that could be better protected with commercial auto insurance.
To avoid a coverage gap, check out this article and helpful chart from NerdWallet that outlines the thin line between certain uses of your vehicle that fall under a personal policy or a commercial policy:
If you don’t operate a fleet of business vehicles — or run a business at all — you may never have given commercial auto insurance a thought. But it’s possible you may need a commercial policy even if you don’t fall into these categories, particularly if you use your own vehicle for work purposes other than commuting.
To help you avoid confusion, we’ll explain when shopping for commercial auto coverage makes more sense than getting personal car insurance quotes.