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- Written by: Shelly Campbell
- Category: Personal Auto
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A two or four-door automobile usually has a hatch or a trunk. This type of vehicle might also be classified as a sports car. Clients use this type of vehicle to commute to and from work or school and carry family and friends up to five passengers. A minivan is included in this category, with seating up to eight passengers. You may also insure a light pickup truck on a Private Passenger car policy if it doesn’t exceed one ton in weight and is used strictly for personal use.
Carrying passengers for hire, such as Uber or Lyft, or delivering newspapers or food, rarely fits in Private Passenger Auto insurance. Some insurers will offer an endorsement for the Private Passenger Auto policy, which modifies and extends coverage for the periods when the driver is waiting for a passenger to order a ride or is on the way to pick them up, not when the passenger is on board. If you use your vehicle for any money-generating activity, we encourage you to seek a Commercial Auto policy so the insurance company can correctly classify the risk and charge for the appropriate kind of business. Using your car in business with a Private Passenger automobile policy can lead to a canceled policy and a denied claim. Talk to us. We’ll guide you through the classification maze to have the right coverage for your vehicle.