If you're going to be using your car for a private matter that doesn't involve your business then you need to know how to claim mileage without business insurance. Every person drives on the road daily, so it's reasonable for the government to require all drivers to obtain business insurance to cover them in case of an accident. However, there are a few people who choose not to get coverage for their personal use and instead decide to go ahead and take advantage of other people on the road by driving without adequate coverage. These drivers may find that they're financially devastated when they have to pay for damages out of their own pocket because of an accident that was caused by someone else.
When you're driving, there is actually very limited time that your vehicle is at your disposal. You're not allowed to add on any miles to the clock on your personal computer, so make sure you do your best to keep this in mind at all times. For instance, if you know that you're about to turn ten miles over you have to make sure that you actually do it the distance indicated on the odometer. Otherwise you could end up having to pay a great deal of money to someone else if you're not careful.
There are some things you can do to reduce the amount of time that you have to claim on your insurance. First, you should never add on any miles during the day when you're traveling, even if it seems like you're driving for only a couple of minutes. If you make this a habit, you can expect to be hit with an increase in your premiums because you'll be seen as a bigger risk than you are. If you know that you're about to turn over some miles you can also consider taking your phone with you, although most people would simply erase the data from the phone.
If you must add mileage onto the clock while you're on the road, make sure that you keep good records of what you do. These include documenting how long you actually drive, your mileage and how many hours you spend using the phone or making phone calls. These are all things that your insurance company will use to determine your claims, so they will likely count any time you use your cell phone against the number of hours you're listed. That means that you can easily save some time by making sure that you take accurate notes.
It's also a good idea to keep a log of any work that you do, whether it's for work or pleasure. This information is especially important if your employer provides mileage as part of their insurance requirements. If you're getting paid by check, it can be very easy to simply cash in your work time by claiming too much mileage, but if you're paid by salary or an hourly rate, keeping track of your mileage is a must.
As you can see, there are a number of ways that you can take advantage of mileage without business insurance. Be sure to look over all of your options and do some research online, if you have time. You may be surprised at just how much you can save. Before deciding on a method, make sure that you read up on the policy and any stipulations associated with it. By making sure that you're covered, you'll be able to save a lot of time when filing your insurance claims.
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