Usually, small businesses do not have enough money to buy cars for their employees to perform work related tasks. Thus, employees use their own cars while at work. Amigo Insurance discusses the differences between personal and commercial auto insurance that small business owners, and employees, should keep in mind.
There are three main things that you should ask yourself if you cannot decide whether or not to invest in personal or commercial auto insurance. The first thing you need to ask yourself, who is the vehicle register to? If the vehicle is registered to you, you will probably need to invest in personal auto insurance. However, if the vehicle is registered to the business, commercial auto insurance would probably be for the best.
Once you figure out who the vehicle is registered to, you need to ask yourself what you will be transporting. If you are transporting things related to the business you work for, you will need commercial auto insurance. If you are just using the vehicle to get around for your own personal needs, then personal auto insurance would be for the best.
For more information, you may visit Personal vs. Commercial Auto Insurance.
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