What are the consequences of not telling your insurance carrier you are using your car for work?

Let's assume a person gets a part-time job using their car (courier for example) and they fail to tell their insurance carrier. They then get in a non-injury, but still semi-serious accident while working,. If the insurance carrier finds out the accident happened during the course of employment, what would the consequences be? Do the consequences vary from state to state? Carrier to carrier?


Would they probably cover the claim, then drop you right away? Would they have the right to refuse the claim completely?





Thanks|||Your insurance policy would be void when you made a claim. You need to obtain commercial insurance coverage if your car is used for work. You are on the road more and are a higher risk.|||How many times must it be explained that insurance companies are not there for the policy holders benefit. The are there to make profit for their share holders. If they can find any, repeat ANY, reason not to pay a claim then they will do so.





The cost between fully comprehensive and business use is minimal and you're crazy to risk it.|||It depends on the company. Some might cover the accident, and not renew the policy later on, but many of them would flat out deny the claim.