Personal Auto vs. Commercial Auto in Kentucky

Understanding your auto insurance needs and requirements is vital if you are a handyman or caterer, or someone that drives their personal car for work.  You should be aware that accidents occurring during your work-related activities likely will not be covered under your personal auto insurance plan.

A commercial vehicle policy covers the increased liability that arises from daily business operations.  Using your vehicle to carry supplies or people when an accident occurs, your insurance needs to be structured to cover for any damages.

The main difference between personal & commercial auto in Kentucky is the higher liability limits and the purpose of the coverage.  If you use your vehicle for business, you need commercial auto coverage even if you are just running to the grocery store.

Car insurance companies consider commercial auto insurance and personal car insurance to be 2 very different types of policies due to the differences in liability and risk. Personal policies are written with the average private citizen and their needs in mind, while commercial policies are designed to address the unique needs and situations that arise from commercial use.

If you have any question as to whether you should have personal or commercial coverage, let London Insurance Agency get you answers and the appropriate coverage!