10 signs that your insurance coverage is a turkey

7. You drive a car mainly for your business, but it’s listed under your personal auto policy.

Much like a personal auto policy, a commercial auto policy will provide coverage to repair or replace a vehicle used for work and pay claims to any third party injured in a crash. Plus, it will pull liability away from you personally, says insurance consultant Billy Van Jura, founder of Birchyard LLC in Poughkeepsie, N. Y.
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