Before becoming an insurance agent, I assumed that paying my monthly auto insurance premium meant I was covered no matter what.

Turns out, that’s not true.

If you only drive to work, run errands, and take road trips, your policy is likely fine. But if you drive for a ride share company, deliver food or packages or goods, visit clients for work, or run a weekend side hustle out of your vehicle, you may be driving without coverage.

In this episode we break down:

• The gap between your personal policy and rideshare coverage

• Why food/package delivery is rated differently than passenger rides

• Commute vs. Pleasure vs. Business classifications (and why agents get it wrong)

• When a side hustle requires a commercial policy vs. a simple endorsement

• The 5-minute phone call to protect yourself from a de ...