Using Your Personal Vehicle For Business?

 

 

Not all auto insurance is the same. A personal auto insurance policy generally won’t cover damage to your car 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. Make sure 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 newspaper delivery;

    • catering;

    • door-to-door consulting services;

    • landscaping or snowplowing services; or

    • day care/church van services.

 

Even real estate agents may qualify. Fall in to one of these categories? Consider a commercial vehicle policy.

 

Here are some questions to ask to determine if commercial auto insurance is right for you.

 

  • What are my liability limits? In general, a commercial auto policy can offer higher liability limits. Larger vehicles, like delivery vans, can cause more damage than passenger cars.

 

  • Does my personal policy cover me for issues specific to my business? For example, if you have a trailer that damages another vehicle while on a job, a personal liability 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 a need 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.

 

 

 

 

Hours:

Monday: 9am - 5pm

Tuesday: 9am - 5pm

Wednesday: 9am - 5pm

Thursday: 9am - 5pm

Friday: 9am - 5pm

Saturday: 9am - 5pm

Sunday: Closed      

 

Axiom Insurance

388 Dickinson St

Springfield, MA 01108

Tel: (413) 788-0800

Fax: (413) 788-9053

 

RMV Services:

- New Plates

- Transfer Plates

- New Titles / Registration

- Registration Renewal 

 

Welcome to Axiom Insurance Agency of Springfield Massachusetts.  We pride ourselves on offering the best Insurance Products and the most competitive prices in the Commonwealth of Massachusetts.

 

We also do RMV TRANSACTIONS - new plates, new registrations, transfers, renewals, etc!!!   We do these services Monday through SATURDAY! No more taking time from work to go to the registry!

We offer both Personal Insurance Products (Auto Insurance and Home Insurance) as well as Business Insurance (Liability, Workers Comp., Property, Inland Marine, Commercial Auto).

We can find a product or price for everyone.  We can even replace cancelled Auto Insurance.  We are open on Saturday if you are local to Springfield MA to replace your insurance.

 

With all the companies we represent for there are many discounts available to reduce your price.

 

Always call us if you have questions with your Auto or Homeowners bill.  They can be complicated and the timing of when the payments are applied to your bill can make things look confusing.

 

Always make sure to review your paperwork to ensure it is up to date.  We can help get your registration renewed and save you the headache of having you Auto towed because the plates and registration have expired.

We speak Spanish too.

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