If you are thinking about taking on a second job, one that is going to require more travel or a longer commute, then you need to think about how this could impact your need for auto insurance. Today’s sharing economy has made it easy for millions of people to take on part-time work, even from behind the wheel. However, whenever you travel more for work, your need for quality auto insurance protection is all the more important.
Here’s what you need to consider when you are planning to drive more as part of your side-job.
When Working More, Do You Need Extra Insurance?
Even though you might have to drive more to get to a second job, you don’t necessarily need to buy more auto insurance unless you feel that you want (and can afford) the extra benefits.
For example, if you work in your regular office job, but work in a pet store on weekends, then your second occupation isn’t related to your driving, and extra auto insurance isn’t necessarily mandatory. However, if you have a longer commute because of it, and will drive in an area where the roads are known to be dangerous, then you might want to buy additional auto insurance because of the higher level of protection you will have if something does go wrong.
Still, there are times when your side job will make extra auto insurance a necessity. For instance, one of the most prevalent side gigs out there is working for a ridesharing or delivery service like Uber, Lyft or DoorDash. If you work for this service, you will drive as a direct part of your duties, and you will drive as a representative of the company. Therefore, if something goes wrong, then both you and the ridesharing or delivery company could stand to be caught in the crossfire.
When you drive as an employee of a business, standard auto insurance usually will not cover you. Therefore, you will usually need to upgrade your coverage to continue to receive the appropriate benefits. There are several ways to do so:
- If your new employer offers hired/non-owned auto liability insurance, then this coverage will provide the liability insurance you need if you are at fault for an accident, even if you are driving your personal car.
- Some private auto insurers offer rideshare driver coverage as endorsements to standard vehicle insurance. This coverage will make sure you are protected when off the clock, on the clock but not carrying passengers, and when passengers are in your vehicle.
As you plan to take on a second job that involves driving, ask your employer what auto insurance they offer. Then, contact your auto insurer to determine if the employer-sponsored benefits will applicably help you. If not, it might be time to consider upgrading your policy.
Also Read: What Is Property Damage Liability?
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