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Auto Insurance Claims/auto insurance coverage

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Expert: - 2/3/2011


Question
I use my truck for work for a real estate company doing courier work, picking up jobs from the printers, taking office furniture from one office to another.  I was told a few years ago that I needed a commercial auto policy in case I was in an accident and that my regular insurance policy would not cover me if I was involved in an accident while working.  True or not?  Thanks.

Answer
Hi Brian,

This is partially true. However, you do not need a commercial policy. What you do need to do is to ask your current insurance company to rate your policy for business use. This is for people who use there vehicle for some deliveries or who work at varying jobsites. The will cause about a 25% increase in your premium. You should ask your employer to cover the increase , unless they already pay you for mileage.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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