Reduce Your Risk of an Auto Insurance Claim
2012 February 16 by Peter
Following are some tips for avoiding accidents and thus reducing your risk of an auto insurance claim.
Many auto accidents in the United States could easily be prevented.
- Distracted driving is happening at epidemic levels every day. Not a day goes by that you don’t see someone on his or her cell phone, talking or trying to text while operating a moving motor vehicle. States are now enforcing laws to regulate this behavior. Common sense should rule. Focus on the task at hand and be aware of your surroundings at all times while driving. Continue reading »
Don’t Be Sorry: Consider Commercial Auto Coverage
2011 December 1 by Peter
Two Reasons to Think About Commercial Auto Coverage
Business owners get different types of auto coverage under commercial insurance as opposed to a personal insurance auto policy. Following are two types of commercial auto policy coverage:
Hired and Non-Owned Auto: For any business with employees, this coverage is a must. It provides auto liability to a business when a vehicle must be hired or borrowed to conduct business. The most common scenario is the way this applies to employees. Hired and non-owned coverage will protect the business while an employee is out doing anything from running errands to making sales calls in his or her own vehicle. The business is “borrowing” the employee’s car to do its work. You might say, “Wouldn’t my employee’s personal auto policy take care of this scenario?” Yes…and no. If an employee is at fault for an accident and is on business time, the injured party could go after the employee personally as well as the business for damages. This is where hired and non-owned coverage kicks in. Commercial Auto Coverage is available at $1 million limit for a few hundred dollars.
Driver Other Car: This coverage is specifically designed for the business owner who may have one or two cars that are used personally and commercially. Most personal auto insurance companies want nothing to do with insuring a business. A personal auto policy was not intended for that purpose. Driver other car coverage provides personal liability coverage to the owner and his or her spouse, thus eliminating the need for two policies.
Review your auto policy, and if you don’t find such coverage listed, it’s very easy to get a commercial auto coverage quote from your agent.
Don’t Be Sorry: Avoid These Common Auto Insurance Liability Blunders
2011 November 24 by Peter
Californian’s Beware of These Common Auto Liability Blunders
For most people in California, buying auto liability insurance is like filling the gas tank. They do it once and then forget about it until it’s needed again.
Unfortunately, many people don’t have as much protection as they believe.
There are a number of common mistakes drivers make when purchasing vehicle protection.
That’s why drivers should work with an agent to pick the right protection for their specific needs. Continue reading »
Keeping Auto Insurance Rates Low in Orange County by Reducing Auto Theft
2011 October 25 by Peter
Tips to Reduce the Chances of Vehicle Theft
One of the key ways to keep your auto insurance rates at low cost is to reduce the risk of theft.
Not only does a stolen car cost you dearly in terms of time and effort, but the long-term expense associated with higher auto insurance rates (and hence not getting low cost quotes) adds insult to injury.
Unfortunately, many people underestimate the risk of having their car stolen and fail to plan accordingly.
Recent statistics from the Federal Bureau of Investigation indicate that the odds of having your car stolen are roughly one in 207. People who live in the city are at much higher risk than those living in rural areas. Continue reading »
