Does my car insurance cover car pooling?


I use my 2006 Dodge Grand Caravan to car pool to work with co-workers. Am I covered if I get into an accident while car pooling?

You car insurance policy has an exclusion for that will deny coverage if you use your vehicle for "public conveyance", which simply means if you use your car as a taxi cab, your personal auto insurance will not cover you.

However, there is an exception to this exclusion which states that a share-the-expense car pool is A-OK and your car insurance will provide coverage in the event of an accident. Just make sure your vehicle is rated for commute use.

Since you have a minivan, there's a good chance you have kids in school as well. You can also use your van to transport children to and from school activities and be reimbursed for mileage and expenses without triggering the coverage exclusion.

The premise 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.

Enter Zip Code:

More car insurance information

Readers of Does my car insurance cover car pooling? also found answers to the following car insurance questions.

Can GEICO really save me 15 percent on car insurance?

Are mechanical breakdowns covered by my car insurance?

When Should I Drop Full Coverage on an Older Vehicle on my Car Insurance?

How do I Switch Car Insurance Companies?

Is theft covered by car insurance if I leave my keys in my car?

Does my car insurance cover car pooling?

Are car insurance rates higher depending on where I live?