Using Your Personal Vehicle For Business? (NAPSA)—Notall auto insurance is the same. A personal auto insurance policy generally won’t cover damage to yourcar if you’re using it for business purposes. Even if your personal policy has “business-use” coverage, you may find yourself at a loss when an accident happens, especially if your liability limits are not high enough to cover the damage. Makesure you’re protected. Call your insurance company or independent agent and ask these questions: How do you define “commercial use”? Some insurers may simply define it as transporting goods for compensation or a fee. That could include services like: * pizza and newspaperdelivery; * catering; door-to-door services; consulting landscaping or snowplowing services; or day care/church vanservices. Even real estate agents may qualify. Fall into one of these categories? Consider a commercial vehicle policy. Here are some questions to ask to determine if commercial auto insuranceis right for you. e What are myliability limits? In general, a commercial auto policy can offer higher liability limits. Larger vehicles, such as delivery vans, can cause more damage than passengercars. Does my personal policy cover mefor issues specific to my business? For example, if you have a trailer that damages another vehicle while on a job, a personalliability policy may not cover the repairs. A commercial policy will. Do I have employees who drive my vehicles? In general, if other people drive your vehicles for work, you need a commercial auto policy. You also need a commercial auto policy if your vehicle hauls tools or equipment weighing more than 500 pounds, makes deliveries or requires filings for interstate for for-hire trucking businesses. An independent insurance agent can help you better understand business needs and put together a package that meets your needs. Find an agent at www.progressiveagent.com. Want to learn more about the differences between personal and commercial auto insurance policies? Visit www. progressivecom mercial.com.
