Why Your Personal Auto Policy Doesn’t Cover Your Work Truck

Personal driving and business driving are two different risks that require two different insurance policies to protect your assets.

If you work as a contractorbuilder or painter, you probably use a truck to transport your tools and equipment between job sites. If the truck is registered to your business, chances are you also purchased a commercial auto insurance policy. But let’s say the truck you drive for work is also your personal vehicle. It’s registered in your name and covered by a personal auto insurance policy. You may think that policy also provides coverage for work-related use of your truck. But it probably doesn’t. In most cases, personal auto insurance policies exclude coverage for business driving. This could be an issue in No Proof of Insurance traffic tickets. Denver’s best traffic ticket defense lawyer can help sort this out.

Different Policies for Different Risks

If you read through your personal auto policy, it probably states that business use of your vehicle isn’t covered. That’s because personal auto policies are written with consumers in mind. Insurance companies assume that people who drive a personal vehicle are commuting to work or running errands, and they price the policy accordingly.

But when you use a vehicle for commercial purposes, you usually spend a lot more time behind the wheel. More miles spent on the road means a greater chance of an accident. From an insurance carrier’s point of view, business driving is riskier and more expensive, so it requires its own policy. And they aren’t wrong. According to the Federal Motor Carrier Safety Administration, accidents involving a commercial vehicle cost Americans $87 billion in 2011.

So, if you get into an accident while hauling tools to a worksite and you don’t have the appropriate commercial coverage, you could be responsible for:

  • Repairs for damaged property
  • Medical bills if someone was injured in the accident
  • Legal expenses if you are sued over the accident

If you don’t want to pay those bills out of pocket, it might be time to consider commercial vehicle coverage.

Protect Your Truck with Commercial Auto Insurance

Unlike personal auto policies, commercial auto insurance is a type of business insurance. Business policies address the risks of business driving, such as:

  • Additional time behind the wheel
  • The need to move tools and equipment between job sites
  • Transportation of employees or clients

Aside from covering business driving, commercial auto insurance is similar to your personal auto policy. A typical commercial auto policy may offer:

  • Liability coverage for damage you cause to a third party or their property
  • Medical payment coverage for bodily injuries you suffer in a crash
  • Physical damage, vandalism and collision coverage for your vehicle
  • Uninsured motorist coverage for damage caused by drivers who don’t have insurance

The medical expense coverage in a commercial auto policy can be particularly useful. If you’re involved in an accident that injures you or occupants in your vehicle, your policy may help pay for:

  • Emergency care
  • Diagnostics
  • Hospital stays
  • Rehabilitation costs

For example, let’s say you and an employee are en route to a client’s house for a painting job. You rear-end a car at a traffic light. If you file a claim under your personal auto policy, it may be denied. However, if you have a commercial auto policy, it may cover the cost of repairs to the vehicle you rear-ended, as well as medical expenses if you or your employee were injured. Contact the Best Denver Traffic Ticket Lawyer Steven J. Pisani for more information.

Worth noting: Commuting doesn’t qualify as business driving. If you get into an accident while on your way between your home and the office, your commercial auto policy typically won’t cover it. For better protection when you use a personal vehicle for business, consider purchasing both personal and commercial coverage.

If you have more questions about Insurance law, Denver Traffic Ticket defense, contact the Best Denver Traffic Lawyer Steven J. Pisani for more information.

The materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. You should contact your attorney to obtain advice with respect to any particular issue or problem. Use of and access to this Web site or any of the e-mail links contained within the site do not create an attorney-client relationship between PisaniLaw and the user or browser. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney.

Lawrence Taylor pleads guilty to DUI, dodges jail time

Hall of Fame linebacker Lawrence Taylor plead guilty to DUI on Monday, June 19th. The former New York Giant was sentenced to 75 hours community service and 12 months probation after reportedly crashing into a parked police car in Florida. His blood alcohol levels were recorded at .082 and .084, just over the legal limit. The Law Offices of Steven J. Pisani specialize in Denver DUI Defense, Colorado traffic Defense, and Denver criminal defense. Call for a free consultation.

 

NY Post, Todd Venezla, June 19, 2017

Link: http://nypost.com/2017/06/19/lawrence-taylor-pleads-guilty-to-dui-dodges-jail-time/?utm_campaign=iosapp

“Click it or Ticket” Enforcement Begins

The Colorado State Patrol and local law enforcement will start to crack down on seat belt violations during the Click it or Ticket campaign running through June 4. Last year’s campaign resulted in 5,983 seat belt violations CDOT is displaying 60 wreaths on Bandimere Speedway in Morrison as part of an awareness campaign and to represent the people who died in 2016 due to not wearing a seat belt. The Law Offices of Steven J. Pisani specialize in the field of Criminal Defense. Call our Denver office today for a free consultation.

Cite: Amelia Arvesen, The Denver Post, 5/22/2017

Link: http://www.denverpost.com/2017/05/22/cops-begin-click-it-or-ticket/

Man in DeLorean Ticketed for Going 88 MPH

A California driver was almost ecstatic to get a ticket for driving 88 MPH in his vintage DeLorean. The man decided in the moment to recreate the scene from “Back to the Future.” Unfortunately, he was caught and ticketed by a police officer. The man reportedly did not travel back in time to avoid the ticket, choosing instead to own up to his crime and pay the speeding ticket. The Law Offices of Steven J. Pisani specialize in the field of Criminal and Denver Traffic Ticket Defense. Call our Denver office today for a free consultation.

 

Cite: CNN, 5/31/2017

Link: http://www.cnn.com/videos/us/2017/05/30/delorean-speeding-ticket.hln

Your driving record may be more important than you think

New information reveals that insurance companies use your driving record to when determining risk. This is not news when it comes to your auto insurance premium, but it does come as a surprise to some that your driving record could be a factor in your Life Insurance and Home Owners Insurance policies. Based on 7.4 million vehicle records from 2006 to 2010 crossed referenced with death records from 2007 to 2010, companies found correlation between a person driving record and likelihood of death. For example, people with serious violations, such as DUI, had a 71% higher death rate than people of the same age with clean driving records or minor violations. In this digital age, your driving record is becoming increasingly important. If you are charged with DUI, Reckless Driving, or any other type of traffic offense, call our office. We can help keep your record clean. The Law Offices of Steven J. Pisani specialize in the field of Criminal Defense. Call our Denver office today for a free consultation.

Cite: Barbara Marquand, USA Today, 1/13/2017

Link: http://www.usatoday.com/story/money/personalfinance/2017/01/13/your-driving-record-insurance-companies-crystal-ball/96471612/

Former NY Knick Arrested on Suspicion of DUI

Once again there was an example that criminal law and specifically driving under the influence affects citizens in all walks of life. Former New York Knick,  Iman Shumpert, was arrested over the weekend on charges of DUI. Originally drafted in the first round by the New York Knicks in 2011 and  later traded to the Cleveland Cavaliers in 2015, he was part of the 2016 championship team. Inman was reportedly pulled over for a lane violation. On scene, Fayette County Police found a jar with marijuana in his car. Inman reportedly admitted to smoking but refused a blood test out of fear of being recognized. The Law Offices of Steven J. Pisani specialize in DUI and Traffic Ticket Defense. Steven Pisani has over a decade experience in the field of Criminal Defense. Our office offers competitive pricing and flat rate retainer fees. Contact our Denver office today for a Free Consultation.

Cite: Justin Tasch, New York Daily News, 9/9/2016

Link: http://www.nydailynews.com/sports/basketball/iman-shumpert-arrested-august-suspicion-dui-cavs-article-1.2784629

Potalyzer, a Field Test for Marijuana Being Developed

More than 20 states have legalized Cannabis for medical use. Police will need some way to test those who choose to drive under the influence. Stanford engineers have developed a device to detect micro molecules in a person’s saliva. The technology would also be able to detect Heroin, Cocaine, and Meth. The technology is not in-use yet and still needs to undergo substantial field tests before it can be used in a court of law. The first departments to use the technology will surely face an up-hill legal battle. The Law Offices of Steven J. Pisani specialize in the field of Criminal Defense. Call our Denver office today for a Free Consultation.

Cite: Nicole Lyn Pesce, NY Daily News, 9/8/2016

Link: http://www.nydailynews.com/life-style/health/open-wide-potalyzer-roadside-saliva-test-marijuana-article-1.2783510

Distracted Driving Ban Reintroduced in New Jersey

The bill would fine driver’s up to $800 for doing anything “unrelated to the operation of the vehicle, in a manner that interferes with the safe operation of the vehicle.” The problem is with the vagueness of the law. Where is the line drawn? The way it’s written, a driver would be fined for eating a banana in traffic. The article lists an example of a woman in England who was cited for just that. However, the bill is really aimed at protecting drivers who are the victims of distracted drivers. While the law seems draconian, it will probably only affect those drivers who caused accidents, or who are obviously not paying attention while driving. With any of these broad laws, there is the possibility for abuse. With self driving cars on the horizon, is this measure, however short term, necessary to increase traffic safety?

The Law Offices of Steven J. Pisani specialize in Traffic Ticket and DUI defense. Call our Denver office today for a Free Consultation.

Cite: Vivian Yee, The New York Times, 8/17/2016
Link:

A bill that could fine distracted drivers as much as $800 has led to an outcry among residents for whom driving is more a state of being than an activity.
NYTIMES.COM|BY VIVIAN YEE

Law Enforcement Sacks 276 Impaired Drivers During Super Bowl Weekend

The Colorado Department of Transportation and Colorado State Patrol were among 76 law enforcement agencies that joined forces Feb. 5 through Feb. 8 for heightened DUI-enforcement period. Super Bowl weekend enforcement resulted in 276 impaired-driving arrests, an increase from the 234 arrests made in 2015. The Aurora and Colorado Springs police departments as well as the Colorado State Patrol recorded the highest arrest totals. “The Heat is On” is a campaign effort funded by the CDOT Highway Safety Office and runs throughout the year focusing on 12 specific periods for “high visibility for impaired driving.” The 12 periods are centered on holidays and public events. The next such event is scheduled for St. Patrick’s Day, which will run for a full week from March 11-18. If you have been arrested for impaired-driving, your privilege to drive and status as a law abiding citizen are in jeopardy. You need a skilled attorney to defend your rights in Court. The Law Offices of Steven J. Pisani specialize in DUI Defense. Our firm has 8 years of experience in DUI and Criminal Defense. Call our office today for a Free Consultation.

Cite: Natalie Munio, The Denver Post, 2/12/2016

Link: http://www.denverpost.com/news/ci_29510443/law-enforcement-sacks-276-impaired-drivers-during-super

Colorado State Troopers Cite Thousands during “ZeroZero” Campaign

“ZeroZero” stands for zero highway deaths and zero tolerance for dangerous driving behaviors. Last weekend Colorado State Patrol troopers processed thousands of citations and arrests for traffic violations ranging from drunk to distracted driving. Over the span of 65 hours, 134 drivers across the state were arrested for driving under the influence of drugs or alcohol, encompassing 30 crashes. Unfortunately, two people were reported killed in a crash in Weld County on Saturday. The plan was initiated in part due to an increase in traffic fatalities in Colorado in 2015. Most violations were minor, with 436 distracted-driver citations and 382 failure to wear seat belt citations. My office has seen a noticeable uptick in the amount of careless driving citations in Denver and the Metro Area. If you have a ticket you would like to discuss, call us. Denver Traffic Defense Attorney Steven J. Pisani specializes in the areas of Traffic Defense and Criminal Defense. Call our Denver office today for a free consultation.

Cite: Kirk Mitchell, The Denver Post, 10/21/2015

Link: http://www.denverpost.com/news/ci_29001814/colorado-troopers-cite-thousands-during-zerozero-campaign

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