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Paragon Independent Insurance Agencies, Inc

6305 Preston Road #1000
Plano, TX 75024

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Do I need commercial auto insurance in Plano, TX if I use my own vehicle for work?

Commercial insurance protects your business in the event there is an accident. To protect your Plano, TX small business, you must ensure that every vehicle used by your business is insured. Some people wonder if they can save by using their regular insurance when using their personal vehicles. At Paragon Independent Insurance Agency, we can help answer your commercial insurance questions. 

When Is Your Personal Vehicle a Work Car?

Your personal vehicle becomes a work vehicle if you use it for anything during the course of business. Here are some examples of work activity:

  • picking up supplies or dropping off goods,
  • using your vehicle as part of a service your company provides, 
  • traveling between work locations on work time and
  • visiting clients.

You Can Open Yourself And Your Business Up To Liability 

If an accident occurs during the course of business, your regular insurance will not be responsible. Your business will still be responsible for any damages, including property damage, medical expenses, lost wages, rental vehicles, and pain and suffering. You will also be responsible for handling the lawsuit if someone sues you.

You May Also Face Legal Consequences

In Plano, TX, you can face fines and other consequences if you or an employee are found to be driving without insurance. The fines usually increase if there are multiple violations. Additionally, the vehicle could be towed, and you may have to prove that the vehicle is insured correctly to get it back.

Protect your Plano, TX small business by ensuring you have the necessary coverage. If you want to discuss your coverage or have any questions about commercial insurance, please call Paragon Independent Insurance Agency today.



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