Does your home based business require you to transport people or goods?Does the nature of your business require you to have higher limits of liability insurance? Do you have fleets of cars in your company’s name? Do you find yourself hauling a trailer or a considerable amount of weight in your vehicle?

If you answered yes to any of these questions, then you may need to purchase Texas commercial auto insurance. Basically, you need commercial auto insurance if your car,van or truck is needed to operate your home based business on a daily basis. Whether you have a large fleet of cars or just one vehicle it is vital you obtain commercial auto insurance.

You are probably wondering why you need Texas commercial auto insurance if you already have a personal auto insurance policy. After all, auto insurance is auto insurance, and you are not driving around without auto insurance like 28% of Dallas residents. Although this is a logical statement, you can still be penalized for driving without commercial auto insurance.

If you have not disclosed to your insurance company that you are using your vehicle for business purposes, you run the risk of your claims being denied if you are the cause of an accident. As a result, you would have to pay for all the damages and medical fees out of pocket.

There are two main types of Texas commercial auto insurance you can purchase. The first type is liability coverage. Just like in a personal auto insurance policy, liability coverage covers any physical injuries and property or vehicle damage. Physical damage coverage can cover collision and theft of the company vehicle. In addition to liability and physical damage coverage, you can purchase additional coverage to meet your needs.

Bodily injury liability coverage, property damage liability coverage, combined single limit,medical payments, uninsured motorist coverage, underinsured motorist coverage, collision coverage, and comprehensive physical damage coverage are some examples of extra coverage you may be interested in purchasing. Whichever type of coverage you choose, you should make sure it fits your needs.

If you use your car to conduct daily business, then it is vital to seek out Texas commercial auto insurance coverage. Even if you have a personal auto insurance policy, you may need to change it into a commercial auto insurance policy.

If you get into an accident while conducting business and do not have commercial auto insurance, you will be accused of misrepresenting your vehicle. Your claims will be denied and any damages or medical expenses will have to be paid for out of pocket. To prevent this from happening, simply purchase commercial auto insurance.

Rico Henderson is the owner of Henderson Insurance Agency, providing Affordable Personal and Commercial Texas Auto Insurance . To learn more, visit his site at All-AboutInsurance.net.