Commercial insurance or coup¨¦ insurance? In IL.?
I have a car beside livery plates but do a little livery orders. The commercial insurance is too illustrious for me. Can I use an car insurance with sponsorship for livery? Can I keep my livery plates if I have only just car insurance?
Answers:
No, the standard personal auto policy doesn't cover livery vehicle or use, and you can't have it both ways. If you do any livery business at all, you'll obligation the commercial coverage, high price or not.
call your agent and ask if they can give an endorsement for business use on your personal auto.
give specific what you do etc. if they can, verify what would not be covered contained by a loss.
if they say no. you might want to consider a different livelihood since if no commercial insurance and your personal does not cover, if in misfortune and at fault, you could lose everything, including your living as a livery orders?
Confusion of terms here . . .there's commercial coup¨¦ coverage, and private car coverage. Private car have an absolute exclusion in it for hauling produce or passengers for a fee. Flat out. You can't uphold "livery" onto a private passenger auto. And you can't renew livery plates with a PP car policy, any. There isn't any coverage.
Also, a good resource is...
http://www.surveyland.org/jump.php?link=insurance
Best of luck to you.
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Answers:
No, the standard personal auto policy doesn't cover livery vehicle or use, and you can't have it both ways. If you do any livery business at all, you'll obligation the commercial coverage, high price or not.
call your agent and ask if they can give an endorsement for business use on your personal auto.
give specific what you do etc. if they can, verify what would not be covered contained by a loss.
if they say no. you might want to consider a different livelihood since if no commercial insurance and your personal does not cover, if in misfortune and at fault, you could lose everything, including your living as a livery orders?
Confusion of terms here . . .there's commercial coup¨¦ coverage, and private car coverage. Private car have an absolute exclusion in it for hauling produce or passengers for a fee. Flat out. You can't uphold "livery" onto a private passenger auto. And you can't renew livery plates with a PP car policy, any. There isn't any coverage.
Also, a good resource is...
http://www.surveyland.org/jump.php?link=insurance
Best of luck to you.
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