Using your personal vehicle for work may seem no different from ordinary driving, but the purpose of a trip can affect how your insurance policy responds. Before you regularly use your car for business activities, review your policy and discuss the change with your insurance professional.
When Business Use Can Change Your Insurance
Driving to and from your regular workplace generally differs from using your vehicle to perform job duties. If you transport customers, deliver goods, visit clients, or use your vehicle for another business purpose, your personal auto insurance may have limitations or exclusions that apply.
The North Carolina Department of Insurance recommends notifying your insurer when using a vehicle for these activities.
What to Tell Your Insurance Professional
Be specific about how you use your vehicle. Occasional business errands may be treated differently from frequent deliveries, transporting clients, or using a vehicle as part of a business operation. The type of work, frequency of use, and vehicle involved can all affect how an insurer evaluates the risk.
If you are working in Charlotte or Waxhaw, NC, and your job responsibilities have changed, contact us before relying on your existing policy for business-related driving. North Carolina also recognizes commercial auto insurance as a distinct form of insurance, with rating considerations that differ from personal auto policies.
Call Hausmann Insurance & Financial Services
Hausmann Insurance & Financial Services serves customers in Charlotte and Waxhaw, NC, and we can help you review your auto insurance when the way you use your vehicle changes. Contact us to discuss your work-related driving and determine what insurance options may apply to your situation.
