Case study: food delivery business
Joe, like many pizza delivery drivers, uses his own vehicle for work. His personal car insurance covers him on his commute to work, but coverage stops as soon as he clocks in.
If he gets in an accident on the job, damages won’t be covered because the insurance company deems his job as a delivery driver an unapproved use of the car. He could have to pay out of pocket for damages.
Adding a commercial rider or taking out a commercial car insurance policy protects his vehicle while at work.