It also doesn’t cover driving your car for work purposes. If you drive for a company like Lyft or if you deliver food or packages, you need a commercial auto policy. It’s not just a matter of making sure you’re covered — using your car for business purposes while just carrying your regular insurance coverage may void your policy. In addition, a general policy won’t necessarily cover any items in your car or another vehicle with two or three wheels. However, you can add coverage that does insure these things.
Horror Story: Without ALL Her Wheels
Ann was hit head-on by Caden, who was texting at the time. Ann broke over two dozen bones, and her new van and her wheelchair in it were both in horrible shape. Caden was uninsured, and Ann quickly discovered that while she had insurance, it didn’t cover all the repairs her van needed. It also didn’t cover her wheelchair at all. This means not only was she on the hook to pay for a car she couldn’t drive, but she also had to figure out a way to pay for a replacement wheelchair, which cost about $30,000. So now you’ve got two horror stories showing the importance of UM and UIM insurance—are you convinced yet? Just remember that if you have other equipment you regularly keep in your car, you want to make sure that’s covered, too. If you have comprehensive insurance, it may be covered, but it’s obviously important to make sure—and to get different or additional coverage, when necessary.
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