Commercial vs. Personal Auto Insurance in Renton, WA: Understanding the Difference

Is your personal auto insurance in Renton, WA enough protection? Find out here!

You might think that the only people who need to worry about commercial auto insurance are people who drive for a living or people who own a business with a fleet of vehicles. But, you’d be wrong. There’s a thin line between personal and commercial auto insurance in Renton, WA. Do you have the coverage you need? Let’s find out!

If you use your personal car for work purposes, you may need commercial coverage. Your commute doesn’t count, but even driving to client meetings could extend past your personal coverage. If you get into an accident while driving for work, your personal auto insurer has grounds to deny your claim.

You need to be especially diligent about your coverage if you haul inventory or equipment for work. That’s an added liability since what you haul is at risk for property damage or theft.

And if you drive for a rideshare company like Uber or Lyft, the issue’s even more complex. There are some areas where your personal coverage extends, some where the rideshare’s policy covers you, and some where you might need your own commercial policy. Talk to your agent to figure out your needs.

Your insurance agent can help tailor the right protection for you. For example, if you regularly drive for work, he or she can set you up with a commercial policy. But if you only drive on company business once in a while, you may be able to adjust your personal policy to get that covered.

Whether you need commercial or personal auto insurance in Renton, WA, we’re here! And if you’re still not sure if you have the right protection, you can contact our team at Humble & Davenport Insurance. We’ll assess your specific situation and advise you on the right coverage for you and your car. We serve Renton, Seattle, and all of Washington. Call us today!

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