Auto Insurance Business

after an auto accident is it better to tell the insurance company you are traveling for business or pleasure?

just wondering if either of the options causes a higher insurance rate. Or is business or pleasure is considered more risky by insurers.
oh fyi i was traveling for business and that is what i told the insurance. i was just wondering if there was any difference if i told them i was driving for personal reasons.

Like you’ve been told, always tell the truth, as people who lie have trouble keeping the story straight, which can cause any settlement to be suspect.

I doubt that they are as concerned about whether your trip was business or pleasure as they are concerned about who and what caused the accident.

If you were on business, and it was your car insured as a pleasure vehicle, they might be concerned as to the amount of business travel you have used the car for. If you’ve used a car mostly for business travel after telling them it’s primarily a pleasure use vehicle, then you might have a rate increase on that basis. It would also indicate that you lied on your insurance application.