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Commercial VehicleThe IRS has a specific algorithm for determining whether or not a car is a business deduction. It’s pretty simple really, if you’re using the vehicle to travel from one client, or job site, to another or using the vehicle to drive from your business office to any location with the purpose of completing a business-related task.

These IRS guidelines are also a great way to consider whether or not you need commercial auto insurance on your vehicle. If you’re using your car for any of the above scenarios, then your insurer may deny claims from accidents that occur during business related activities unless you have commercial auto insurance.

If you use the same vehicle for personal errands and events, then you will also need personal coverage for those trips that are not business related.  Luckily, many commercial policies will cover both business and personal use of a vehicle as long as you clearly outline the extent of use for each purpose. You will also need to name all drivers on your business policy. This will include your family members if you’re unable to provide an additional vehicle for family use.

 

Skipping out on commercial auto insurance coverage because you feel you only use it for business once in a while is a needlessly and potentially costly idea. Instead, get the appropriate coverage for both personal and business use of your vehicle and drive with the knowledge that you’re covered no matter what your reasons you’re driving for. Call us to discuss your options for Ohio business vehicle insurance at (740) 467-2040.

Posted 5:35 PM  View Comments

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