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Personal vs Commercial Auto Insurance Risks

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    • #400651
      Brayn richter
      Participant

      I already have a regular auto insurance policy, but I keep hearing that it may not cover paid passenger trips. Why do insurance companies separate personal and commercial use so strictly, and what could happen to me financially and legally if I rely only on my personal policy while driving passengers?

    • #400652
      Hollys Slow
      Participant

      I used to assume my regular auto insurance was enough, but I later discovered why insurers draw a hard line between personal and commercial use. Paid passenger trips increase liability exposure significantly, which standard policies are not priced or structured to handle. If I relied only on my personal policy and got into an accident, my claim could be denied, leaving me personally responsible for damages and medical costs. That’s why Uber insurance became essential for me—it’s designed to cover commercial activity and protect me from serious financial and legal consequences.

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