You may have difficulty finding a commercial auto policy in Oregon because you have a business making deliveries. You pick up and deliver important papers, documents, packages, small finished products, or parts. Your route is fairly well established. You aren't under any severe time constraints or guarantees. Flexibility is built in to your schedule and route to handle changes in traffic and weather conditions. Perhaps you are a private contractor working as a rural letter carrier, or maybe you deliver newspapers. You might have a job that requires you to deliver flowers for a small business.
These types of business use are not allowed on a personal auto policy. Not disclosing business use on a personal auto policy will nullify and void the policy. In other words, you will not be covered if you are involved in an accident and the insurance claims investigator discovers that you were participating in this type of commercial or courier type activity. Many companies hire you under the condition that you use your own car. You are required to deliver some product or paper at your own expense and under your own insurance. Be careful before you accept this type of employment. Understand the risks you face personally. A huge legal battle could follow an accident in which you are caught driving as a delivery driver or courier without the proper coverage. And often, the employer has had plenty of experience fighting claims brought by an unsuspecting employee.
The good news is we may be able to help you secure a policy that allows you to make several stops a day. As long as you are not under any time constraints nor carrying certain hazardous materials, we may be able to find the valuable coverage you need. Acting now to get the right kind of coverage will prevent a legal catastrophe later. And, you'll be surprised that the cost is not that much different than a regular auto policy. We can even take you if you have a few speeding tickets on your record while other courier insurance companies will drop you. Driving is your profession. We respect that. Let us help you stay on the road.
Contact us in Hillsboro (InsureSource Agencies, LLC) or Gresham (Pulse Insurance, LLC), we serve the entire Portland Metro area! Let's see if you are eligible. Call us at 503-489-3143 in Gresham, Oregon and 503-693-2852 in Hillsboro, Oregon.