Auto Accident for Self Employed: What Policy Covers You?

I work for myself and was going to do a personal errand and a business errand when I got into an accident. I have a personal auto policy and a business liability policy. Who will protect me?

If both insurance policies provide coverage, they each pay a pro-rata share. The long discussion can be found here. The short portion of this is that each insurance company pays a percentage of the total.

However, if you have a general liability business policy it probably excludes automobile use. Your personal auto policy should provide coverage to you. However, you should report it to both companies and see if there is any other coverage that may apply.

You should also talk to your insurance agent about getting a business auto policy.