If you drive your car for business purposes be sure and look at the language in your insurance policy. Many regular auto insurance policies do not cover you ( have exemptions ) when the insured is working and using the car for work. For such business activity specific business liability coverage is needed.

We recently dealt with a young man who was using his car to deliver pizza when he was driving as a pizza delivery person. He was sued for damages for injury caused to another person whom he hit. His insurance company declined coverage. Luckily for him, with some help from our office, we were able to help him get the matter worked out…..but the lesson is clear – know what you are covered for or address the issue with your employer or insurance agent. Business use almost always calls for the need of specific insurance, and regular insurance liability coverage often has language in the contract specifically disallowing coverage when the driver is engaged in business.