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Orr & Associates Insurance Services

Business or Personal Auto Insurance:
Which Is Right For You?

In April 2007, Lauren Anderson was involved in a collision in San Diego, CA.  She was rear-ended by a pick-up truck owned by a licensed plumbing contractor.   The contractor, who was found to be at fault, was driving a truck with his business name and contractor’s license number painted on the side.  Although he sometimes used this vehicle for personal use, he mostly used it for business.  When contacted by the claims adjuster, he explained that he was on the way from one jobsite to the other.  The insurance carrier denied the claim because the contractor’s personal auto policy excluded use of vehicles for commercial purposes.  It took over three years for Ms. Anderson to recoup her losses from the “uninsured” contractor. 

Many contractors and business owners across the country carry personal auto policies on vehicles not realizing that they might be driving around without the right coverage.  So how can you know if your policy covers you?  The answer is not that simple.  Not all personal auto policies are the same.  The one way to be absolutely sure you’re covered properly is to get a commercial autopolicy that allows for personal use. 

We can help you evaluate your auto insurance policy (personal or commercial).  We’ll show you what you need to know and where you need to go to fit your auto insurance needs. For a quote click the link below or contact Tarah Gruber at 888-269-0992 or

Commercial Auto Insurance

For Quotes On Commercial Auto Insurance:

Commercial Auto Quote


Tarah M Gruber
CA License 0H13063 
Phone: 888-269-0992

Contractors Insurance Experts for General Liability Insurance, Workers Compensation, Commercial Auto, Surety Bonds, Errors & Ommissions, Equipment, Builders Risk, Payroll Services and more.