What Do I Need to Know About Commercial Auto Insurance If I Use My Vehicle for Work? 

If you use your personal vehicle for work, it’s important to understand how your insurance coverage may be affected. Many drivers assume their personal auto policy will protect them in every situation, but using your car for business activities can create gaps in coverage.

At Festival Auto Insurance, we help drivers, small business owners and employees navigate these risks and secure the right commercial auto coverage.

What Are the Risks of Using My Car for Work?

When you use your vehicle for business purposes, such as making deliveries, transporting clients, or traveling between job sites, your personal policy may not cover accidents or liability claims that occur during these activities. This can leave you financially exposed if something happens while you’re working.

When Is Commercial Auto Insurance Needed?

You may need commercial auto insurance if you:

• Regularly drive your car for business tasks beyond commuting
• Transport goods, equipment, or passengers for work
• Use your vehicle as part of a service (like ridesharing or delivery)
• Have employees who drive their own vehicles for your business

Commercial auto insurance is designed to cover vehicles used for business. It typically provides higher liability limits and broader protection for work-related accidents, property damage, and legal expenses.

What Are the Texas Insurance Requirements?

Texas law requires business vehicles to carry minimum amounts of commercial auto coverage. If you’re involved in an accident while working, your insurer may deny the claim under your personal auto policy.

How Our Team Can Help

At Festival Auto Insurance, we work with drivers in Irving, TX to assess their needs. Our team can help you determine if commercial auto insurance is necessary and find a policy that suits your specific needs. We’re here to answer your questions and ensure you have optimal financial protection on the road.

Contact Festival Auto Insurance today to request a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.