Business Car Insurance
If you use your car in connection with your work, standard automobile insurance policies may not offer
you the protection you think. Business car insurance can cover a wide range of uses, such as traveling
between work locations, or traveling throughout the State for University business.
Although you’ll likely pay higher premiums for business car insurance, staying with standard coverage
policies could lead to your policy being invalidated, or your claim being denied.
Every insurer will want some questions answered. For example they’ll want to know the nature of your
work, the amount of time you’re behind the wheel, and how many miles you put on your vehicle for
The mileage reimbursement you receive for using your own vehicle is for all expenses incurred, including
insurance. If you are involved in an accident while using your own vehicle for business related travel,
your own insurance will be the coverage. The State, through its insurance division BRIM will not provide
coverage for your vehicle, any other vehicles involved, property damage, or any injuries.
This is not meant to do more than educate you on the State’s insurance status. Also this is not meant for
those who are occasional users of their car for business. The best solution is to discuss your individual
circumstances with your insurance agent so you know what your coverage is.