In the past, many people have been known to “carpool for hire”, meaning they will drop off & pickup passengers at Stagecoach or Coachella Fest for a fee. Did you know that your auto insurance policy has an exclusion that will deny coverage if you use your vehicle for "public conveyance", which simply means if you use your car to “carpool for hire” and use it as a taxi cab. Your personal auto insurance will most likely not cover you in the event of an accident.
The basis for having the "public or livery conveyance" exclusion is that when you are hiring out your vehicle for transport, you are in a commercial activity and that's where your personal auto insurance policy draws the line. You will have an increased number of passengers in the car, which also increases the risk.
Be sure you check with your insurance agent and the dmv BEFORE you decide to “carpool for hire”.
Call Doug Motz at Douglas Motz Insurance Agency
@ 760-200-0270 or go to www.DougMotz.com
for any questions regarding this situation.
Your personal auto insurance will most likely not secure you in the event of any kind of event.
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