Personal vs. Work Vehicles: What Every Driver Should Know

Think you’re covered every time you drive? Many drivers assume one auto policy protects both personal and business trips. That mistake can cost you.

Why It Matters

Personal auto insurance covers daily errands and commutes. When you use your car for business—delivering goods, transporting clients, or visiting job sites—your personal policy may not pay.

Business driving brings higher risks: more mileage, bigger liability, and possible lawsuits. Without the right policy, you could face medical, repair, and legal bills yourself.

Insurance Basics

Driving for Uber, Lyft, or DoorDash counts as commercial use. Insurers see it differently:

• Personal policy: Covers private use only. Claims can be denied if you’re logged into a delivery or rideshare app.
• Platform coverage: Uber/Lyft provides limited protection while waiting for a ride. DoorDash offers coverage only during active deliveries.

Smart Move

Ask your insurer for a rideshare or delivery endorsement. If unavailable, get a commercial auto policy. Add coverage so you stay protected every time you drive for hire.

Myths to Avoid

• “I rarely drive for work—my personal policy is fine.” One business errand accident can void coverage.
• “My employer’s policy covers me.” Not always. Most cover only company-owned cars.

Protect Your Livelihood

A single crash can drain savings and stall your business. Review how you use your vehicle and match it with proper coverage.

Next Step

Don’t risk it. Call Klinger Insurance Group at 301-428-4935 to review your policy and stay protected wherever work takes you.