by soufian395 » Mon Aug 20, 2012 05:08 pm
1. "My friend told me that I can use my car at my second job delivering pizzas and that my insurance policy will cover an accident."
Well, your friend is wrong. Unless you have bought a commercial auto policy your personal auto policy specifically excludes coverage while the covered vehicle is used for commercial or business purposes.
2. "If someone breaks into my car and steals my laptop, my car insurance will pay for it because I bought full coverage insurance."
There is no such thing as Full Coverage, meaning that everything is covered. Your car insurance policy is very specific about the limits and coverage afforded, there is no insurance policy that will cover everything. So if your lap top is stolen from your car, a claim must be filed through your Renters insurance or Homeowners insurance policy and you will have to pay the deductible.
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[Link removed per TOU]
Well, your friend is wrong. Unless you have bought a commercial auto policy your personal auto policy specifically excludes coverage while the covered vehicle is used for commercial or business purposes.
2. "If someone breaks into my car and steals my laptop, my car insurance will pay for it because I bought full coverage insurance."
There is no such thing as Full Coverage, meaning that everything is covered. Your car insurance policy is very specific about the limits and coverage afforded, there is no insurance policy that will cover everything. So if your lap top is stolen from your car, a claim must be filed through your Renters insurance or Homeowners insurance policy and you will have to pay the deductible.
More
[Link removed per TOU]
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