Using Your Personal Vehicle for Work? Here’s What You Need to Know

Many people use their personal vehicles for work without thinking twice, making deliveries, visiting clients, or even running errands for their employer. But here’s the problem:

Your personal auto policy may not cover you if you’re in an accident while using your car for business purposes.

Here’s why that matters:

⚠️ Coverage Gaps – Personal auto policies are designed for personal use. Your insurer might deny a claim if you’re using your car for business.

💼 Employer Responsibility Doesn’t Always Apply – Even if you’re “on the job,” your employer may not cover damages or liability, especially if you’re using your own car.

💰 Lawsuits & Liability – If you’re at fault in an accident while on business, you could be personally liable for injuries, property damage, or legal costs.

🚘 The Solution – Let’s talk if you use your vehicle for business. There are affordable options, such as hired/non-owned auto liability coverage or a commercial auto policy that can fill those gaps.

Don’t wait for an accident to find out you’re not covered. I’m happy to review your situation and ensure your protection on and off the job.

Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.

Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.

The information shared in this article is provided and written on an opinion basis, and for informational purposes, it solely represents the opinions of Valley Oaks Insurance.