Many people use their personal vehicles for work without realizing that a standard auto insurance policy may not provide the protection they need. Whether you’re delivering goods, driving clients, or using your car for any business-related purpose, it’s essential to have the right coverage. At Johnsen Insurance, we provide auto insurance to residents in the greater Baraboo, WI, area and help drivers understand how their auto insurance can protect them while using their vehicles for work.
Understanding the Limitations of Personal Auto Insurance
A personal auto insurance policy is designed for everyday driving, such as commuting or running errands. However, things get more complicated once you start using your vehicle for business. Many standard policies exclude coverage for accidents that occur while the car is being used for work-related purposes. That means if you’re in an accident while making deliveries or transporting clients, you could be left paying out of pocket for damages and liability costs.
The Role of Commercial Auto Insurance
A commercial auto insurance policy is often the best solution if your vehicle is essential to your job. This type of coverage is specifically designed for business use, offering protection for property damage, liability, and even medical expenses in the event of an accident. It ensures that both you and your vehicle are covered, reducing the financial risks associated with work-related driving.
Securing the Right Coverage for Your Needs
Using your car for business without the proper insurance can leave you vulnerable to costly claims. Johnsen Insurance, serving the Baraboo, WI region, can help you find the right auto insurance policy to fit your needs. Contact us today to ensure you’re fully protected while on the road for work.
