Commercial Auto Insurance
Should I Cancel My Personal Auto Policy When I Get Commercial Auto?
Only if the commercial policy covers personal use. Many commercial auto policies restrict coverage to business use — leaving you uncovered during personal driving.
Can I cancel my personal auto policy if I have commercial auto insurance?
This depends entirely on how your commercial auto policy is written. Some commercial policies (particularly those for ‘artisan contractors’) cover both business and personal use of the insured vehicle. Others restrict coverage strictly to commercial operations.
Before canceling personal auto, read your commercial policy’s covered uses section. Confirm with your agent whether personal driving (grocery runs, family trips, evening and weekend driving) is covered.
If you use the same vehicle for both personal and business purposes, make sure your commercial policy explicitly covers personal use — or maintain both policies. Driving without coverage during personal use of a business vehicle creates serious risk.
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