Every entrepreneur in California should have at least the basic auto insurance coverage required by state law. However, there may be times when a personal policy isn’t sufficient, and you’ll need commercial insurance for your personal vehicle.

Understanding the Differences Between Personal and Commercial Auto Insurance

Personal insurance is designed to cover incidents that occur when you drive your car to and from work or places you visit during your free time. Basic coverage includes liability for bodily injury and property damage, but this only pays for damages to other people affected by the accident, not the policyholder or passengers in the car.

Commercial auto insurance typically costs more but provides broader coverage than a personal policy. Additionally, it covers all instances in which a car is used for commercial purposes. These purposes can include traveling to meet clients or business partners, transporting business assets or products, and attending exhibitions or trade shows. A personal policy won’t provide compensation if you’re in an accident while using your car for business activities rather than personal use.

Need Commercial Insurance? Crown Reinas Insurance Agency Can Help

Basic commercial auto insurance is essential for any California resident using a personal car for commercial purposes. Additionally, there are other auto insurance policies you may want to explore to ensure you have adequate coverage for any situation. Crown Reinas Insurance Agency offers a range of commercial policy options and bundles designed to meet the diverse needs of entrepreneurs across various industries. Contact us today, and we’ll guide you through the options to help you choose the policy that best fits your needs and budget.