Your son, Timmy, got a summer job delivering pizzas.
First off, good for you Timmy!
Timmy plans to use one of your family autos to make deliveries. No big deal, right?
Know that your personal auto insurance may not cover you. Whether it’s damage to your vehicle or someone else.
Anytime your auto is used for delivery…delivery of any kind, it is considered commercial use. When you’re getting paid to use your vehicle, more than likely you’re using it more than you would for your personal use. Therefore more potential for an accident.
It’s not where you drive, but why.
In the beginning your insurance company may not find out…until there is a claim. That will be when they decide to deny your claim. And possibly cancel your auto insurance altogether.
There is a difference between personal auto insurance and commercial auto insurance. It may seem fuzzy at times, but there is a difference.
Don’t assume. Talk to your independent insurance agent.