Some, maybe most, I don't know, purchase supplemental insurance to cover the cruiser should it be damaged while being driven off-duty (not off-duty jobs, just off-duty). It isn't required, but it is a risk not to have it. The one point that keeps getting missed, however, is that sure, if all I used the car for was my own purposes while off the clock, it would be good deal. However, that isn't the case. When I pull out of the driveway in that cruiser, no matter if going to work, or going to the store