General Insurance

Do I need personal or commercial auto insurance to tow my flatbed trailer and hauling machinery?

Even though your vehicle is used for personal use, your vehicle itself is made for business use. If you want it insured then you will need to get commercial insurance, especially if your son-in-law has an equipment company. 

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Coverage & Claims

I backed a company van into my own car and was told that I have to use my personal insurance. Is this true?

Not being a claims adjuster, I can't say exactly how this situation should play out. However, their assessment seems fair since it was your fault and your vehicle was damaged.

Coverage & Claims

Does my personal auto policy cover a company construction vehicle?

Since you were driving your company’s vehicle, your personal auto policy would not apply. A company vehicle like a backhoe or other construction vehicle should be covered under the company’s commercial auto policy.

Coverage & Claims

Not at fault accident on commercial policy affect my personal policy?

Typically when you are hit from behind you are found not at fault in the accident. Since the accident will be listed under your companies insurance policy, it should not impact your record.
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