Whether or not your job explicitly requires you to "drive" for work, you probably use your personal car for work-related errands, deliveries or customer visits. So does your personal auto insurance policy cover you for accidents during business use of your car?
It might, but it might not.
The general rule is that personal auto policies don't cover accidents that occur when the vehicle is being used for business purposes, other than farming or ranching. However, there are three common exceptions to this general rule. If you drive any of the following, then you're (often) covered:
Though there are the above exceptions, there are exceptions to the exceptions that could mean you're back at Square 1 (uncovered).
Some personal auto policies may be more restrictive toward pickups or vans. This could possibly include a gross vehicle weight (GVW) limitation or a clause that restricts coverage to owned pickups or vans only. Be sure to consult your policy before driving any pickup or van for work.
Know that any coverage permitted for business use of personal vehicles by a personal auto policy is not intended for these three vehicle categories:
Personal auto policy coverage of a personal vehicle used for business purposes is tricky, to say the least. There are lots of exceptions and "maybes." There will be situations where the policy doesn't cover you, even when you think it should.
You might need additional coverage, or to extend your personal auto policy, and not know it. That's where your independent insurance agent comes in - to close potentially devastating gaps in your personal auto policy.