You will need to speak with your insurance company about how you frequently transport school age students in your personal vehicle during your work hours. Whether you will need specific coverage is up to the individual policy, so once you inform your insurance company of what you do with your personal car they should be able to tell you if your current insurance policy is enough or if you need to make changes.

If you have concerns about certain areas of coverage you should specify this, likely it is bodily injury liability coverage that you want to cover injuries if you are at fault in an accident.

Some policies will exclude based upon that language. You will need to check with your policy and/or insurance agent to verify that it is covered under your liability insurance. In addition, after you verify that your policy will cover these instances, you will want to make sure you have a high enough limit of liability. Most school districts require individuals to carry at least $1,000,000 of coverage.

If your personal policy will not cover it, you will need to carry commercial liability coverage. Be concise with your agent and tell them you are not transporting people for business but transporting people to a destination for the reasons you specified.

In addition, you may want to purchase an umbrella liability policy to cover items that are not covered through your personal auto policy liability coverage. We now offer umbrella policies with Safeco.You can follow this link for Safeco umbrella policies or call 1-800-936-0356 to get a quote.