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|Posted on September 9, 2013 at 10:09 AM||comments (43)|
School Dropoff ? You may not be covered!
Taking my grandson to school this morning I saw a van pull up with a logo that said they were a school shuttle service.
Nice service for busy or working parents.
With charter schools and school of choice programs, I am sure this is a growing market.
The Insurance Agent in me, thought nice, I wonder if they are insured properly?
What do I mean? Well many times I find that you either did not tell your agent, the many uses of your vehicles or maybe they didn't ask on know how to advise you.
There are many ways a vehicle can be considered Commercial Use, and carpooling, school drop off (besides your own children) are among them.
If there is any compensation, even $5 for gas, for taking other peoples children to school, or delivering passengers in any way, (referred to in Insurance as Public Livery), your vehcile liability policy can be void and a claim denied.
Not just the damage to your vehicle, which can be replaced, you could be personally liabile for those children and thier injuries.
You got the kids to school and then stopped at the grocery store, a fender bender in the parking lot and Mrs. Smith in the other car has whiplash. That claim can be denied. Your claims adjuster will ask you how you use your vehicle, and when there is any Commercial use, they may decide you were insured improperly.
Even something as simple as newspaper delivery, part time, can jeopardize your personal auto policy coverages.
Make sure you talk to your agent, don't settle for a quick auto quote that only promises to save you money.
You aren't saving money by buying the wrong policy.