Do You Have Commercial Auto Insurance

[sleepinghart]

Thank you for the information guys!

Does anyone know where I can find information on state law regarding the commercial auto insurance thing? I really don't think it applies to me, as daycare described for her situation. I could call back...but yesterdays call took 45 minutes and three transfers! I don't know if they will listen to me anyway.

I only will be driving around my 2 children and up to 4 daycare children, largely going to and from DD's preschool and fun "field trip" type places (zoo, science museum, park, library...) so I don't *really* think that the commercial part applies. This will be our family vehicle I;m using, not a huge thing...

~I don't know if this link will help you or not, but figured it wouldn't hurt to post it just to make sure and to be safe. It is--

http://www.dmv.org/insurance/commercial-auto-insurance-minimum-requirements.php

[Unregistered]

~I don't know if this link will help you or not, but figured it wouldn't hurt to post it just to make sure and to be safe. It is--

http://www.dmv.org/insurance/commerc...quirements.php

Also even though state laws may be different from place to place, keep in mind, some insurers do not write certain types of policies. I know where I work, we do not. We refer them out.

[danmajor]

found u guys for a search for day care car insurance.

i'm also looking for information regarding commercial insurance for day care vehicles.

i originally got a quote from http://www.4autoinsurancequote.com/l...uto-insurance/ for my big van, but they quoted me at just $262 for 6 month policy... and based on some of the other quotes i've seen in this thread, that seems too good to be true

are there any companies that specialize in this type of insurance? i also got quotes from GEICO, allstate, and state farm, but they seem to be giving me outrageous rates for my day care van

i'll be doing business in upstate new york... PM me if anybody has ideas

[Unregistered]

Commercial vs Business Auto

If you're driving around with a magnet sign on your auto advertising your business you should only have to have a "business class" rating for your personal auto policy for that vehicle. If you're using your auto in your actual business (ie. daycare van transporting kids or ex. dump truck hauling debris/dirt) then you need a commercial auto policy due to the liability exposures. Your personal auto insurer will not cover the added risks on a personal auto policy which is why they offer a business rate class on personal if you're technically not using your auto as a part of your business but. Simply put, if your vehicle is a working component of your business the you need commercial. If it's merely advertising for your business then a business rate class on personal auto will suffice.

[Tigerlilly]

Nope, I will not drive daycare kids around in my vehicle ever. I live in a college town and have some of the worst drivers I have ever seen. And anything could happen. Not worth it.