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Location: Home > career > Small business cars: what to do when on-the-job transportation is required
Most people work in a stationary environment. They either have an office desk, home office or central station where they report for work on a daily basis. But there are some professions that are mobile. Salesmen, professional speakers, event planners and delivery specialists are examples of people whose job takes them to a different place on a daily basis. Because of this, some people need on the job transportation.
Some companies provide a company car for their employees to use. If one is fortunate enough to have a company car, one needs to follow strict rules. Gas, tolls and repairs are expenses that one will occur while working. One should get a specific ravel log, or separate notebook to keep records of daily travels. This is needed for reimbursement if the company pays a per mileage fee. If one is self-employed, accurate record of mileage is needed when applying for and maintaining auto insurance. You will need to differentiate between the mileage for personal and professional usage.
One should obtain and keep all receipts for gas, highway tolls and repairs. In order to get accurate and speedy reimbursement, employers require these records. It is also advisable to pay using a credit, debit or charge card. This is insurance in case of loss, theft or destruction of receipts. Sometimes employers take more than thirty days to reimburse for expenses. This is why debit and charge cards are the best to use because they do not incur interest charges.
For even more accurate record keeping, install an instant toll payer in the car. This device can be obtained from one¡¯s corresponding state toll department. It also eliminates the need to manually pay tolls. The toll is deducted from a prepaid account. The employer or employee may prepay this account.
Basic liability insurance is required on all automobiles. But when using a car for business purposes, additional insurance is needed. If using a company car, the company usually handles insurance. But self-employed persons should take care to take out appropriate coverage. If one has general business insurance, their car may be covered under this policy. If not, collision, theft and fire should be added onto one¡¯s auto insurance policy. Though one may live in a safe neighborhood, one can¡¯t account for auto theft and vandalism rates in areas where their business may take them.
When traveling on the road for work, unexpected things such as breakdown or gas shortage can occur. It is imperative to have insurance against such disasters. Companies such as the Automobile Association of America provide coverage for such emergencies. This type of insurance may also be available through the car manufacturer. When applying for a policy with these companies, it is important to take out a plan that covers one as far as they travel, especially interstate travelers. Some policies will only cover the car up to a limited amount of miles from the home (self-employed) or work base.
Keeping accurate records and having adequate insurance for on the job transportation can aid in timely reimbursements, and covering unexpected issues such as theft or vandalism. This will allow one to concentrate on their job, and not be distracted by automobile issues. |
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