I am a caregiver and part of my job is to drive my patient to and from places. Does this affect my insurance?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Your auto insurance policy covers you while driving yourself or anyone else around. However, if you are being paid to transport someone, such as a taxi, the policy could be limited unless you advise the insurance company that you are using your car in this manner. The standard auto policy limits or excludes insurance for cars “used for hire”. If you are not being paid for the use of your car then, the policy will most likely cover you. However, it is recommended that you use your patient’s car to drive her around. Then, if anything does happen, it will be her insurance responsible for any injuries or damages that may occur.

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