For Consumers

Auto coverage for home health care workers, delivery workers and volunteers

Your personal auto policy will generally cover you for personal use. This could include giving a friend or family member a ride or taking your neighbor to a medical appointment. It will also generally cover you during unpaid volunteer work. Incidental, non-commercial use (for example: occasional transport of elderly or sick passengers) is not considered commercial use and is generally covered under a personal auto insurance policy. In the past, this practice has been accepted by the industry without serious problems.

Make sure you have the right auto coverage

If you have questions about whether your personal policy will cover you for certain activities, it’s a good idea to:

  • Read your policy carefully to see what it does and doesn’t cover.
  • Contact your agent or insurance company for advice.