Reader’s Question:

Where can I get truck insurance quotes? I use my truck both for business and personal, though it is registered as a business vehicle. Would my business truck insurance cover any accidents that might happen if it’s used for personal reasons?

J. D.

Trenton, NJ

There are a whole host of resources online for your truck insurance quotes. Before even considering buying a truck, keep in mind some important things first: how will it be used, the type and kind of truck, and the cost and size of the vehicle. It would be straightforward if you only use it for your business chores, but there will be instances that personal needs would come in the picture. If that is the case, then you must get a commercial insurance that covers other drivers for your truck, such as your family and other people who will drive the car. If you have employees, their personal auto insurance should give them protection as far as liability goes over and above the limits of your commercial insurance. I could only assume that you have other vehicles like maybe a personal car? If so, then you also have your personal insurance to cover any other damage and cost when you use other cars. Have the other drivers in your family listed under your personal insurance if they do not have their own personal auto insurance. You shouldn’t worry, though. As long the truck and driver has insurance, then everything else is covered.