They protect different people, which is the part usually missed. A personal auto policy covers the driver and their own vehicle, and it does reach most ordinary business driving. ...
It depends on who owns the vehicle relative to the named insured. Hired and non-owned auto is built for vehicles the business does not own, so an employee’s personal ...
Usually yes, as an endorsement rather than a separate policy. It commonly attaches to a commercial auto policy, and on smaller accounts to a general liability or business owners ...
Yes, because the exposure is created by the errand, not by how often it happens. One trip to the bank or one delivery run is business use, and an ...
Hired and non-owned auto is liability coverage, so it typically responds to injury or damage you cause to others rather than to damage to the rented or employee-owned vehicle ...
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