Important Considerations for Insured Drivers of Cars and Trucks

Auto insurance policies do not cover vehicle damage that occurs prior to start date of the policy. If you buy a used vehicle, it is your responsibility to be aware of any previous damages from accidents or other types of disaster. CarFax is a trusted service that reports on a vehicle’s damage history and maintenance records.

If you do not own a vehicle, but often rent cars, you may find that a personal policy will provide a savings over the auto insurance rates charged by car rental companies. ZipCar is excluded from this however, because auto insurance coverage has already been included into their membership program for rental car drivers.

Personal auto insurance or car insurance typically does not cover liability or damages when using the vehicle for business or commercial purposes. There are a few instances, such as using a car or truck for pizza delivery, which some auto insurance companies do cover within the parameters of the insurance policy. Verify the terms and conditions in your policy documents. When in doubt, ask the auto insurance agency (insurance carrier) that issued the policy for your car. Our advice: “Get it in writing first!”