SR22 Car Insurance – Can I Insure a Commercial Vehicle?
Reader question:
I live in Kansas, and I wanted it to know if it’s likely that my employer will still cover me with commercial car insurance while I’m doing business, even though I have an SR22 form for drunk driving?
Nick
That’s a great question, Nick.
First of all, I find it very unlikely that you would even be able to be hired by a job for which you are required to do any more than a completely negligible amount of driving for a good, long time after you were required to file your first SR22 form after a drunk driving conviction. The most common number that I could throw out is ten years, although in many cases a company that requires driving will not hire you ever again after you have been convicted for drunk driving, especially, for example, a trucking job. There is already a big problem with the lack of safety among commercial vehicles on the roads, so employers are more cautious, at least in this area.
Secondly, as to whether or not your employer will insure you if you have an SR22 form filed, I really doubt it. It is possible that this could happen, but it would be entirely the decision of your boss or whoever is in charge of this aspect of your job. If your employer allows you to drive for business reasons under their own vehicle insurance policy, then they are taking on a substantial amount of risk. This could result in a rise in vehicle insurance premiums in the company, and could thus cause problems with your employment.
I would suggest that if you do find yourself in this situation, the best option for you, and most likely the only option that you have available, is for you to go and get a non owners car insurance policy. These types of policies are widely available, cheaper than normal, and will cover any car that you drive but do not own. It would be the perfect option for driving for business reasons if you have an SR22 form, or even if you don’t and your employer simply does not provide insurance.
Cheers,
Fashun Guadarrama.
Who Has The Cheapest Commercial Car Insurance Rates?
Reader question:
I use my car for my business. Do I need commercial car insurance? I need cheap insurance, since my business is just starting out.
Graham
That’s up to you.
Now, you are allowed to insure your business car under a personal policy if you also use it for personal reasons. However, if you don’t want to get into trouble for misrepresentation, then you have to be up front about all of the mileage and uses of your vehicle. If you don’t tell your car insurance company that you also use your car for business purposes, then that could be grounds for nonrenewal.
If you do report using your car for business, then your rates will most likely go up. If you use it for business more than for normal uses, it might be a better idea to just get the cheapest commercial car insurance you can. You also might want to get more coverage if your business involves carrying people or goods around.
Cheers,
Fashun Guadarrama.
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