When will I need to buy additional business insurance for my car?

I don't want to spend extra money on business insurance because I have an inactive self-employed business and I don't go to see clients often. what happens if I had a car accident on my way to see a friend? OR to see a cleint? does it make a difference when I make a claim? what about % of my business use of car and personal use of car? Is it a major factor for the insurance company to define if it is business use or not. what about the nature of business? I am looking for some professional advices. thank you!

most insurance companies can write your personal auto insurance as a business use without you buying the business insurance it just rates the premium a little higher but not as high as a buisness policy, if in fact something does happen when your driving to a client or while your doing buisness the insurance company can reject your claim it can happen check with your agent on what he advises but be carefull he says it not needed hes not telling the truth because the claims department decides what gets paid and what doesnt when a accident happens not a agent, check out globalwideinsurane.com

2 things
1 - it depends how it is registered - if to the business, you must have a business auto policy, no matter how it is used. if registered personally, you can insure it either on a personal or business policy.
2 - use - if it is occasionally used to go see clients & you do not carry people for a fee or carry materials with you, you may be able to change the rate class on your personal policy to business use. It would depend on the company & where you are located.
The best person to answer this is your agent. he or she will know how to properly insure your vehicle for your situation.

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When will I need to buy additional business insurance for my car?