Does Mexico Commercial Business Auto Insurance Cover Personal Driving?

If a vehicle is owned by a business and employed for business responsibilities, one would require commercial auto insurance. In case the person is a sole proprietor, a personal auto insurance policy might provide adequate coverage. But how about driving back home or using the vehicle for personal driving?

Yes, one would still be covered under commercial auto insurance if using the vehicle for private purposes. However, this is possible only with specific cars and conditions attached to the policy.

Mexican Commercial Business Auto Insurance

Vehicles owned by a partnership, titled to a business, or rented for business purposes are all classified under the Mexico Commercial category. The insurance plans are tailored for providing the greatest protection to the company, owner, and permissive users. These permitted users may include employees driving the vehicle with the business owner’s consent.

Any activity carried out during off-hours is still under Mexican commercial business auto insurance as that is the only coverage that pertains to the vehicle. It typically includes liability coverage, medical payments, uninsured motorists, and collision coverage. There can also be other coverage for rental reimbursement, towing/ labor, etc.

However, Mexico Commercial Business Auto Insurance is considerably expensive since there is a greater risk of property damage and higher liability. The limits, coverage, deductibles, industry, persons driving, vehicle specifics, etc., would be accounted for to determine the actual premium.

The coverage applies to personal driving because standard Mexico Tourist Auto Insurance will not cover commercially owned and driven cars. Besides, Mexican Auto Insurance is mandatory for every vehicle driven anywhere in or outside the country. However, how the vehicle individually falls into the chain of command would indicate whether or not the coverage would be ultimately applicable.

Personal Vehicles (Driving in Mexico)

When a business provides a car to their employee as the driver’s personal and business vehicle, the driver will be insured by the commercial auto policy. But when the driver uses a private car for personal and business purposes, that vehicle won’t be covered under the employer’s policy. Since it is their own car, any wreck caused over the weekend in their private times has nothing to do with the company. This is when the person would require a personal car insurance policy. But if the personal vehicle is heavily in use for trade, the driver can leverage the benefits of a commercial auto policy.

Whichever policy one chooses, it must provide comprehensive coverage. For this, the insurance agency will have to stitch together multiple policies to provide complete coverage. Mexican commercial business auto insurance policies, for example, are different from similar global or American policies. Ones requiring adequate coverage should contact a reputed insurance agency that can accommodate every business at any location and its unique risks.

Get the Commercial Auto Insurance Your Business Needs Today!

Whether it is an expanding enterprise or a single-person operation, understanding how one can benefit from the right coverage is essential in the long run. Connect with West Coast Global Insurance Services today to determine the precise personal vehicle or commercial vehicle insurance requirements in Mexico.

Call at 818. 788-5353 to get global or Mexican insurance online, or use this online application form for better assistance.

West Coast Global Insurance Services is dedicated to continuously researching our industry for the most comprehensive, best-priced insurance policies available in Mexico.