July 5, 2016

Do You Need Commercial or Personal Car Insurance?

Do you need personal or commercial car insurance?

Unless you own a business that involves frequent transportation of goods or people, you’ve probably never considered commercial car insurance. Most people think that a standard personal car insurance policy will cover them. However, the line between personal and commercial is a bit blurrier than most people think.


If you take a few friends out to lunch in your car, you’ll most likely be covered by your personal car insurance policy. On the other hand, if you start using your car to deliver pizzas or Chinese food, you might need to get a commercial car insurance policy.

Giving a Ride

Another instance where commercial insurance may be necessary is driving for a ridesharing service like Uber or Lyft. These services have created a car insurance nightmare. It’s hard to make a blanket statement about these services, so it’s best to check with the service you’re driving for and your Tulsa car insurance agent.

Junk in the Trunk

Some jobs, like construction or landscaping, might require you to bring a few tools of the trade to work everyday. If it’s just a few personal odds and ends, you’ll probably be fine, but if you drive around expensive company tools on a regular basis you might need commercial insurance.

What’s the Reason?

Lots of times the deciding factor will be why you’re driving. If you’re just commuting to and from work, personal insurance car will be fine. If you’re driving from town to town or state to state for work on a regular basis, such a traveling salesmen, commercial insurance might be for you.

Again, there’s plenty of grey area between commercial and personal car insurance. If you need help telling what’s white and what’s black, give All American Insurance a call. We can let you know what policy fits your needs and find the cheapest policy for you.

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