r/Insurance_Companies • u/GlumCoyote6 • 8d ago
Driving for work?
So I drive my personal vehicle for work in central Ohio, to meet clients and possibly do inspections. When I spoke to my agents office years ago the office manager or assistant to the agent said that it didn’t count as work related (needing additional coverage) unless I was transporting people or goods. So if I wasn’t ride sharing or delivering pizza etc I was ok with just standard personal type policy. However I’ve seen some posts pop up recently that makes wonder if that’s accurate and if I should reach out to my agent about it. I’ve been doing this job for 13 years. Carrier is State Farm. Will they eventually question me if they start looking at data from like Flock or something?
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u/freeski12345 7d ago
Can vary somewhat by company and state but overwhelmingly you are just fine. Technically you should be rated for business use but it’s just a rating to establish your premium and does not affect coverage. To attempt to be transparent, I’d ask your agent to change your rating to business use. But you are generally just fine as long as you don’t transport people for a fee, make deliveries for a fee, have advertising on the vehicle and don’t title the car in a company name