Viewing a single comment thread. View all comments

Metzger4Sheriff t1_j4izh35 wrote

Commercial just means for businesses. If it’s not commercial, then it would be personal, and you should still be covered as long as your mom gave you permission to drive the car. Idk how the insurance will view the circumstances, but bottom line is that it shouldn’t make a difference that you were the one driving.

2

sirrigfc t1_j4j0gax wrote

would it be unreasonable to lie and say that I was doing a delivery for the business or going grocery shopping for the business? even though it isn’t mentioned on the police report

−8

Metzger4Sheriff t1_j4j27bj wrote

Don’t lie. I’m not an expert, but some personal use (like driving home from work) is usually covered in commercial policies. If it’s not, then you’re unfortunately out of luck, but consequences will amount to having to figure out another way to pay for repairs/replacement car. Consequences of lying to an insurance company are being denied any auto insurance in the future, getting fines, and facing criminal charges. Do not lie— no matter how small it seems.

6

whatever7131 t1_j4j9tah wrote

Yes, the company I work for has vehicles that some employees are allowed to also take them to and from work. As long as OP is an employee, the insurance should cover him.

2