As more and more people start working side hustles or finding ways to make extra money, the lines between needing traditional auto insurance and commercial auto insurance are becoming blurred. At Fida Insurance Group, which provides commercial insurance in the greater Monroe, CT region, we want to help you determine if you need regular or commercial auto insurance. The wrong type of insurance can lead to a claim being denied by your insurance company if an accident happens. Read on to learn about two key signs that you need commercial auto insurance.
Do You Use Your Car to Earn Income?
Suppose you use your car to earn extra money, such as using it for food delivery services, grocery delivery services, or ridesharing services. In that case, you need to obtain a commercial insurance policy. A regular auto insurance policy does not cover when you use your vehicle to earn money.
Do You Use Your Car to Conduct Business?
Another sign that you may need to obtain a commercial auto insurance policy is if you are using your car to conduct business. Do you clean houses and use your vehicle to get from one job to the next? Or are you a daycare provider who uses your car to drive children in your car to school in the morning? If so, you need to have a commercial auto insurance policy.
Having the correct type of auto or commercial auto insurance policy is vital to ensuring you are fully protected when driving. Here at Fida Insurance Group, helping residents in Monroe, CT with their commercial insurance needs, we can help you determine if you need regular or commercial auto insurance. Call us to schedule an appointment to discuss your commercial insurance needs.