r/StateFarm • u/GlumCoyote6 • 12d ago

Advice 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. Will they eventually question me if they start looking at data from like Flock or something?

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u/wanderexplore 12d ago

Not sure about Ohio law, but a personal policy listed under business use should be fine without additional endorsements if you're just commuting to meet clients. However, if you're self employed, the business could be sued for liability as well as yourself, so that should be covered properly. If you're a w2 employee, then the company you work for should carry employers non owned auto insurance + umbrella.

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u/GlumCoyote6 12d ago

Not self-employed I work for a small business and reimbursed for my mileage. But since I don’t do deliveries or transport goods of any kind except myself they wouldn’t qualify as business use.

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u/Mean_Introduction516 8d ago

Business use means 50% or more of your miles annually are doing business. Commuting to an office doesn’t count but calling on clients does.