Reader question:

I’m going to be delivering cars to people for a living. What kind of vehicle insurance coverage do I need for this?

Brody

Excellent question, Brody.

As I’ve mentioned previously, the car insurance policy is on the vehicle, not the driver. This means that if the car that you are delivering has its own auto insurance policy, then you are covered, considering you would be a driver who has permission to drive that car. However, considering that you are doing this as your job, I would not want to take that chance for granted. It is possible that if you got into a car accident while you were delivering one of these cars, then the company or person who owned the vehicle would try to pin the damages on you. That’s why it might be a good idea to get your own vehicle insurance coverage for the delivery.

In this case, you would want to get a commercial liability insurance coverage. Most companies offer this, although some specialize. If you are getting this sort of insurance coverage, consider adding comprehensive and collision for extra protection.

Cheers,

Fashun Guadarrama.