When Your Business Vehicle Is Also Your Personal Vehicle.

Business exclusion personal auto policy. They do not own a personal vehicle nor do they obtain. Bodily injury or property damage resulting from the ownership maintenance or use of a vehicle or trailer by a person while in the course and scope of employment or engaged in any business. In consideration of these personal use rates the insured hereby declares and warrants that any vehicles insured by this policy isare not used in any business or for commercial usage in any way shape or form at any time.

If injured on the job that risk is covered by workers compensation. Any damage to someone elses vehicle or injury caused intentionally is not covered by a Personal Auto policy. Personal auto insurance policies typically exclude many business uses.

The intent that is referred to is. Twice in the last four years American Access Casualty Company a non-standard private passenger automobile insurer based in Downers Grove Ill has been judicially warned in decisions of. According to most personal auto insurance policies an accident or loss in the process of business use is excluded.

Exclusions listed in a personal auto insurance policy vary depending upon what state laws permit and then the guidelines of your car insurance company. A commercial policy may be necessary if you use your vehicle for business purposes other than commuting to work. When something is noted as excluded on your.

When we refer to the automobile. The first is a workers compensation exclusion not related to the subject of this article. When an insured driver tries to cause someone harm this voids the insurance coverage.

In this policy there is a difference between a described automobile and the automobile. In addition employees who lease hire rent or borrow autos for their personal use are not covered by their employers business auto policy. Personal Auto Policy Number.