Reader’s Question:

If I place door magnets on my car, will I be needing commercial vehicles insurance?

Mike

Chicago IL

There are lots of cars out on the highway with car wraps and magnetic ads that aren’t commercial cars, however if it’s utilized or advertising a company it might need a commercial vehicles insurance policy or at least a business endorsement. Probably you wouldn’t have to register your vehicle with the state as a commercial vehicle.

State laws do differ you will have to consult with your state’s Department of Motor Vehicles to ensure concerning the laws in your area for title and registration info.

Even though your vehicle is not registered as a commercial vehicle your insurance policy may have to be changed to business use or commercial based upon the rules of your insurance carrier. Including commercial advertising to your car can impact or change your automobile insurance needs. So this may certainly hinder your car insurance coverages.

Even though insurance guideline and insurance plan conditions differ, generally many personal car insurance firms wouldn’t cover a vehicle if you put an ads, lettering or a magnetic sign for a company on the car. Because of advertising a company on this car, an insurance company will usually now need you to purchase a commercial vehicles insurance policy or business use policy rather than a personal car insurance policy.