canadian auto insurance quote online

INSURANCE | You may need extra coverage if CARPOOLING KIDS is part of your routine.

IF YOUR MINIVAN is constantly filled with other peoples kids--on car-pool duty to school, soccer games, band practice and Girl Scouts--make sure your auto insurance provides the right protection.

In most cases, your liability coverage will protect you if you cause an accident while driving the car pool.

But in rare instances, car-pool driving isnt covered by your regular insurance policy.

Instead, its considered business use of your car--especially if you receive gas money or a small fee for the service.

In that case, you may need extra coverage, says Madelyn Flannagan, vice-president of research and education for the Independent Insurance Agents of America.

The rules vary pany and may depend on where you live; ask your agent pany if youre okay.

Even if your policy covers car pooling, you may want to beef up the medical-payments coverage.

This coverage, which pays for injuries to you and your passengers no matter who is at fault, can speed up payments in a situation in which there is a dispute over accident liability.

Donald Beery, an independent insurance agent in New Orleans, mends that parents who carpool frequently boost their coverage from the standard $2,000 to $5,000 per person.

That typically adds $20 to $50 to an annual premium.

This coverage would also kick in if someone were injured getting into or out of your car.

If youre carpooling children as part of a home-based day-care business, or if you lend your van for team outings and somebody else drives, be sure to tell pany or agent.

And make sure that you have an adequate number of child seats and seat belts to protect the children--and protect yourself against liability.

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