Reader’s Question:

Is it legal to include “commuting to work” if I only work 1-2 days a week, and if this isn’t my main work? What would happen if I get involve in an accident on the way to this part time job? Would I be covered under comprehensive coverage?

Bart

Los Angeles, CA

Basically, comprehensive coverage covers your car, and sometimes other cars you may be driving for losses resulting from accidents other than collision. For instance, comprehensive coverage insurance covers damage to your vehicle if it is stolen; or damaged by fire, flood, or animals. (It will pay to fix your car less the deductible you choose.) Now, if you are talking about having an accident with another car, you would be talking about collision coverage then to help fix your car. Regarding your other concern, concealment or keeping information from your insurance provider and material misrepresentation by not telling the truth to your insurance carrier gives your insurance carrier grounds for voiding your car insurance policy. This means the insurance provider, will give you back any monies you paid into your auto insurance policy, and you will be stuck paying for the claims resulting from the accident. Also, your insurer will probably not void it unless the case creates an increase in insurance rate or creates a situation that they would normally not insure. If you commute to and from work, where no business use is done in relation to your work, this is considered pleasure use. If this is the case, your car insurance rate should not change - unless your insurer rates your premiums based on your car’s daily mileage. Your best option is to contact your insurance provider. Let them know about your part time job and, let your insurance carrier determine your best course of action for your auto insurance needs.

Tags: auto insurance, auto insurance premium, car insurance rate