How you use your car will determine the type of car insurance you need. If you use your car just to commute to and from work and for family use, you can take personal auto insurance. If you are using your vehicle to make deliveries you have to carry your auto insurance with you. If your employer does not provide you with the company vehicle to make deliveries and to go on errands, you may have to use your own car. Your personal auto insurance in such a case will not cover on- the- job accidents. People normally make the mistake of thinking that ownership determines the type of auto insurance needed and in the normal case it is true. However for delivery drivers, their vehicle is being used for commercial use and so they need more than a personal auto insurance.
Injury to people in your car as well as damage to property while making deliveries is a possibility. Such expenses will not be covered by personal auto insurance as delivery drivers are considered as high risk. There are limitations to personal auto insurance because of which, people who make a living making deliveries may have to opt for commercial car insurance.
Delivery drivers are regularly on the go and this ups their chance for an accident. The more miles covered, the greater the chance of an accident. It would be better if such drivers opt for commercial car insurance.
There are a number of ways in which the truck or van used for commercial purposes can be legally insured. If you are a company employee and are using your own vehicle to make deliveries for the company, your employer can get a rider in their insurance policy for non owned vehicle coverage. This will cover your vehicle even if it is not owned by your employer. If your employer does not have such coverage, or if you are a self-employed delivery driver, you may go for a commercial coverage.
The general perception is that commercial auto insurance is expensive. It is also mostly used for large fleets. This is not necessarily true. It is also a good option for individual delivery drivers. Depending on the type of goods delivered by you, the cost of insurance varies. If the goods are such that they do not pose a risk for liability, the cost of insurance will be less. If heavy equipment, dangerous goods have to be transported and delivered the risk is higher and therefore the cost of insurance will also be higher.
You can shop online for commercial auto in insurance. You will find that it offers higher liability coverage as compared to personal auto insurance. This particularly makes sense if you are delivering goods that in case of an accident cause a lot of injury to people and damage to property. A slightly more expensive insurance can save you financially if lawsuits are filed against you for accidents during delivery. Your claim will not be denied because of how you use your vehicle which is a possibility if you have personal auto insurance.