I'm looking into insurance options for a small delivery business I'm starting up, and honestly, the whole commercial auto insurance thing is kinda confusing me. Like, do I really need a separate policy if I already have personal car insurance? Or is there some way to bundle it? If anyone's been through this or has any tips, I'd appreciate it, cause right now I'm just scratching my head over here...
Yeah, I feel you—insurance stuff can get messy real quick. From what I've heard, personal car insurance usually won't cover you if you're using your vehicle for business purposes, especially deliveries. A buddy of mine found out the hard way when he had a minor accident during a pizza run, and his personal policy didn't wanna pay up. I'd definitely double-check with your insurance provider though...maybe there's some kinda hybrid or bundled option? Worth asking about at least.
