You got me to thinking so I called my auto ins. co. Liberty Mutual and discussed the 3 points above.
A) My car is insured as a personal use car. It covers me whether I'm driving for personal use or business use since my car used for personal use more than business use. If I was a plumber with a van then it'd be classified as a business vehicle.
B) My policy covers my passengers, even if the trip is for business purposes, if it's my fault we have an accident.
C) Terrible practice? How so? I'm putting forth a little effort to help them get a policy that protects their family from a financial hardship....as well as protecting my family from a financial hardship (I'm getting paid).
