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Most states require you to have auto insurance if you own a registered vehicle that you actively drive. However, your insurance policy may not require all the types of driving you do - especially if you are ever behind the wheel for your business.
Most people only realize that they're not properly insured when they get into an accident when using their personal vehicle for business. You need to be prepared for all
sorts of mishaps, because unfortunately, they do happen. Don't be caught defenseless in an accident! Comprehensive business car insurance means you're protected no matter
where you're going. You can't control weather, road conditions or other drivers on the road, so it is always important to make sure you're protected in case something
happens to you when on the road for your employer.
There are different plans that are available that will cover auto liability, medical payments, collision coverage, and uninsured and underinsured motorists' coverage.
Liability protects you if someone claims that you - on company time - were liable for bodily injury or property damage. Collision insurance covers physical damage to your
vehicle if it's damaged during an accident that occurs on company time. Additionally, you can obtain uninsured/underinsured coverage that protects you if you're injured
in an incident caused by the driver of an uninsured car, by a hit-and-run, or by someone with less liability coverage than you.
Some companies already cover their employees when driving for business purposes, so you may want to check with your Human Resources department to find out if you're
covered, and how much you're covered for.
Always take into consideration that there are some tax benefits when using your personal vehicle for work purposes. You can claim the business portion for your vehicle,
which is a running cost as a business expense on your taxes. This may help offset any extra cost for making sure you are fully insured in case of an accident.
