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Personal Or Commercial Car Insurance: Which Is Right For You?

If, like many Americans, your family car is also used for purposes that could be considered commercial use, you may want to steer yourself into a chair and look over your insurance policy.

You’ll need to consider buying a commercial policy or making sure that your existing personal auto policy covers the vehicle for business use. Whether or not you need a commercial policy depends on how you use your vehicle and what company you have it insured with. Every company has different guidelines and may surcharge for business-use coverage on a personal auto policy.

If you’re not sure whether business use is covered on your personal policy, it’s important to call your insurance company or agent. Texas Prime Insurance and Progressive Insurance has put together these four questions you may want to ask:

How do companies determine commercial use? One definition could include “engaging in transporting goods for compensation or a fee,” which includes pizza or newspaper delivery, catering, door-to-door consulting services, landscaping or snowplowing services, logging business, day care/church van services or farm-to-market delivery. People who do these kinds of work should consider purchasing a commercial vehicle policy.
Do you need more liability coverage than a personal auto policy provides? Generally, a commercial auto policy offers higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks.
Do you need special coverage for situations encountered while conducting business? Commercial auto policies usually offer these coverages, and they’re normally not available with personal auto policies. These include hired and nonowned auto coverage and coverage for towing a trailer for business use.
Do you need to list any employees as drivers? Commercial auto policies allow you to list anyone that you employ. You don’t have that option with a personal auto policy. In general, you’ll need commercial auto coverage if the vehicle you use is owned by a corporate partnership or driven by employees, or if it’s used to haul tools or equipment weighing more than 500 pounds, make deliveries or heavy enough to require state or federal filings.

 

For more information about commercial auto insurance, visit www.texasprimeinsurance.com

Did You Know?

If, like many Americans, your family car is also used for purposes that could be considered commercial use, you may want to steer yourself into a chair and look over your insurance policy. For more information about commercial auto insurance, visit progressiveagent.com.

Jesus R. Olivares is an insurance agent at Texas Prime Insurance located in Austin Texas. He holds a General Lines Property and Casualty License and General Lines Life and Health License in Texas.


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Affordable DUI Insurance Coverage for High Risk Drivers

Signing up for a California car insurance plan is a wise decision since it is the Law and the rate of auto accidents is rising everyday. There are many types of car insurance available to assist every situation. One such coverage is DUI insurance that is great for those drivers that have gotten a DUI (driving under influence) ticket. Because insurance provides many advantages it’s a necessity to have coverage for every person that owns a car of some type. The first step prior to you buying an insurance policy it’s recommended that you talk to an agent on this field.

 

Agents who are experts in the area of DUI insurance policies will assist you to understand all its benefits and drawbacks. In addition an insurance agent will help you select the right policy at the best price based on your driving history. There are many insurance carriers that provide these types of insurance coverages to drivers at affordable premium rates. However prior to your purchase it’s recommended that you have a thorough understanding of the insurance carrier from whom you are buying the insurance policy from.

 

It is important because if you ever run into this type situation where you require the insurance funds to cover the damages and your insurer happens to be a fake then you’ll face a lot of problems. The most important feature about a DUI insurance policy is that when you’ve this coverage, the court allows you to drive even if your driver’s license has been suspended.

 

The DUI insurance policy is apt for people that are regarded as risky drivers. Because these people have a very bad driving record a lot of the insurance companies will offer them this policy with very high rates. The only choice for these risky drivers is to choose a high-risk driver insurance policy with cheap premium rates. There are many insurance companies that offer this type with affordable rates; you just need to know the right place to look for it. The first place to look for this policy may be the insurance carrier you’re already working with.

 

Because the insurance carrier has worked with you previously, they might not have many problems in providing you the high-risk driver insurance with cheap rates. If they’re not able to take the risk then you could look for a right insurance carrier on the web. In current times, web is the most useful source for any type of information. Here, you’ll find many insurance carrier websites that are able to give you the high-risk driver insurance at cheap rates.

 

However, don’t make the mistake of choosing the 1st high-risk driver insurance carrier you find on the web. Initially gather all the details about these insurance companies and the quotes that they are offering. Compare each of the quotes then choose the high-risk driver insurance policy which you feel would be most suitable for you. Looking for an insurance policy this way might help you find a policy with such cheap rates that you had never imagined.

California Auto Insurance excels in providing excellent service, coverage and prices for all your insurance needs. We are dedicated insurance experts in all lines of insurance products. We have over 10 years of insurance experience and provide excellent protection from the nation’s top carriers.


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Commercial Car Insurance – Does Your Small Business Need It?

Many small businesses rely upon personal vehicles for their transportation, hauling, and appointments. This is true of stores, financial professionals, and many other professionals. While it may be ok to let a personal vehicle do double duty, is it also ok to rely upon a personal auto insurance policy?

Check your personal policy. Is business use excluded? If it is, you certainly need to upgrade or change it. But even if business use is not specifically excluded, you still may be taking a big risk by expecting your personal auto insurance policy to cover business use.

If you are a small business owner, do you allow employers to drive your car for work? Many owners do this, or even worse, they expect their employees to use their own cars. Now you are depending upon other people to have adequate personal auto insurance to cover any claims that may occur while they are using their own car or truck to work for you.

Are your policy limits big enough for business use. This is a serious question. If you purchased your personal policy a few years ago, you may not even be aware of the limits you have. You may have answered application questions as if this car was just used for infrequent shopping or carpool duties. Now that you use your own vehicle for business, the application could be very wrong.

If you rely upon a personal policy to conduct business it is important to take a few steps to protect yourself.

Examine your policy to see if it is adequate to cover business needs. If you transport inventory or tools, you risk loss or theft. The policy limits may not be large enough to protect it.

Sometimes you can upgrade your personal auto insurance policy so it covers your business. This may be particularly true if you run a very small business and you, or family members, are the only employees.

You should discuss this with your insurer. You should also compare quotes to make sure you are getting the best deal on business car insurance. The best personal policy may not be the best commercial car insurance policy.

If you do transport expensive business items, use your car a lot of business use, or if you have employees driving for work, you really should consider a commercial policy. One accident can cause tens of thousands of dollars worth of damage, and it would not be prudent to risk your business like this.

A lot of business owners do not bother to get proper coverage because they are just too busy Even though they have considered this issue; they just put off a decision. Some think it is too complicated, not their area of expertise, or will take too long to compare quotes.

You can find business insurance by speaking with a qualified local agent. You can also compare quotes from multiple companies by running online quotes. It is very simple to enter your basic information into an online quote form. Then you can click the submit button and relax. The top commercial vehicle insurers will use your information to deliver competitive quotes and policies.

Does your business need commercial car insurance? If you are unsure, visit us for more information. We can also provide fast commercial vehicle insurance quotes.


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