Deciding when you need Michigan commercial auto insurance can be tricky if you’re a small business owner or a sole proprietor, or if you work for a larger company and driving is a regular part of your job.
Commercial vs. Private
Suppose, for instance, that you own a business helping women host parties where your products are sold. You do most of the work from your home, and most of the time you use your care for personal business. You do, however, go out to the scheduled parties two or three times a week. If that is the extent of your commercial use, you can probably get by with private coverage.
Now, suppose that you work for a home health company. Every day, it is your job to go to the homes of five people to provide personal care. Even though you do not own the business, most of the miles you put on your car are business-related. You would probably need to consider commercial insurance.
How Do I Know Which Insurance Is Right for Me?
The best way to figure out whether or not you need Michigan Commercial Auto Insurance is to talk to an experienced, knowledgeable agent like the ones you will find here at Frost & Remer. You can contact us by asking for a free quote over the phone, online, or in person.
When you talk to the Frost & Remer agent, let him or her know about any special circumstances which could affect your insurance. If you are just starting a new business venture or if you use your vehicle for business purposes only during one season of the year, you might be eligible for special considerations.
What Types of Things Does Commercial Auto Insurance Cover?
Your commercial car insurance covers the same types of things that personal car insurance covers. This includes liability, collision, and comprehensive coverage. Liability includes bodily injury, and property damage. You may also want to carry uninsured motorist coverage which protects you and your company if you have a collision and the other driver was at fault but carries no insurance or insufficient insurance.
Making decisions about commercial insurance can be a real challenge. Be sure to call Frost & Remer to speak with an agent who will take time to understand your needs and help you make the right choices.