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Auto Insurance When Operating for a TNC

Driving for a Transportation Network Company (TNC) such as Uber or Lyft can present some unique challenges when it comes to auto insurance. Working for them is different than operating a traditional taxi or limousine in that those drivers are licensed and typically carry a commercial vehicle insurance policy. Obtaining such coverage may not be economical for the standard TNC driver.

According to American Risk Management, most personal auto policies state exclusions in coverage when the owner is receiving money for driving services. This creates a potential gap in insurance when using your vehicle for rideshare duties.

Where Gaps Exist

The business model of being a rideshare driver presents dynamic periods of activity. This is where TNC/ridesharing insurance becomes essential. Even if you don’t have a customer in the car but are actively seeking one, your personal auto policy is likely not in effect. It has become understood that these three timeframes define operating in this model where coverage is needed:

  1. The driver has a rideshare app on but has not accepted a passenger.
  2. The driver has accepted the request and is en route to pick up.
  3. The passenger is physically in the vehicle.

Property damage and liability claims can be costly in any motor vehicle accident. If you are operating for a TNC, it is important that you understand the insurance protection needed in all situations.

Proper Care of Your Classic Car

Anyone lucky enough to own a classic car knows that it’s more than just a vehicle — a classic car is a treasured heirloom. It has a history and a story all its own and is every bit as unique as its owner. Treat your collector’s car with the same love and respect that you would treat any other antique.

Collectors Car Insurance

Ensuring your vehicle is a no-brainer, so why would you not do the same with your collector’s edition? Your car is a relic of its time and needs special protection, so find the right insurance for it. Collectors car insurance coverage varies according to how you use it, so make sure that the policy that you choose is right for your needs. For example, taking your vehicle to shows and fairs means that you will need a different kind of insurance policy that if you drive it occasionally. Your car is at risk of another type of physical damage than if you were to get into an auto accident. Speak to your representative about what kind of collectors car insurance is best for you and your baby.

By investing in the right kind of insurance for your classic car, you are ensuring its protection. Keep your collector’s item protected so that it can continue to be enjoyed for many years to come.

Debunking Common Car Insurance Myths

Debunking Common Car Insurance Myths

There are many myths surrounding car insurance. If you’re in the market for insurance, it helps to know what people believe and what the truth is. Here are some of the most common myths about car insurance in Sugar Land.

Car Color Affects Rate

The myth that color affects your rates is an old myth that people still believe. The color of the car doesn’t factor into the premium costs at all. Your model of car, your history and other factors contribute, but the car color doesn’t matter at all.

Borrowers Owe Damages

Some people believe that if someone borrows their car, then that person is liable for damages. This isn’t true. Your policy will have to pay out if it’s your friend’s fault. The policy always follows the car, rather than the driver.

Expensive Cars Cost More

Car insurance companies look at your history more than they look at the price of your vehicle. Not to mention, they look at the model. For instance, if you have an SUV that is more expensive than a sport’s car, the sport’s car may still be more expensive to insure than the SUV. When it comes to car insurance, there are a lot of myths that you need to know before you go into purchasing insurance. When looking for car insurance in Sugar Land, it’s better to be informed than to believe the myths.

Understanding Car Insurance

Everyone who drives a car should carry auto insurance. This type of policy is a great way to minimize your risk on the road. The Independent insurance agents of CT can help you choose the right policy for your needs. Here are a few things to understand about car insurance.

Comprehensive Vs. Collision

When you are shopping for coverage, you usually have to choose if you need comprehensive coverage, collision coverage, or both. Comprehensive coverage protects you from losses that were not caused by an actual collision. Some examples include glass repair, contact with animals, and vandalism.

Collision coverage will protect your car from physical damage that happens during an accident. This is arguably the most important coverage option to purchase, because it is the most costly to fix.

Liability Coverage

Comprehension and collision coverage will protect your car, but they do not protect you from the damage your car could cause to another vehicle or someone else’s property. For this reason, it is important to carry liability coverage. This type of coverage is usually required by most states.

Depending on the condition of your car, you may need or want different insurance to minimize your risks. For help, it is a good idea to contact independent insurance agents of CT. They can help you with all your insurance needs.

Key Aspects About Your HPSO Liability Insurance You Need to Understand

Just having a HPSO liability insurance policy is not enough. There are a few key aspects of your plan that you need to understand.

Key Terms

Some terms are important for understanding the details of your policy. These terms include:

  • premium
  • deductable
  • limits or caps

Understanding the stipulations of these terms can help you evaluate the quality of a policy.

Provider Offerings

Depending upon the provider you choose, there may be additional offerings outside of those associated with your plan. For example, some providers will offer consulting services or will provide educational materials on new laws, policies and provisions related to your insurance or the health field. These offerings can add great benefit to your policy.

Policy Provisions

It is up to you to stay completely knowledgeable about your policy. Make sure that you understand what each benefit offers, as well as any restrictions on or requirements to receive those benefits. Some providers will alert you to any changes to a policy, though giving notice is not always required. Therefore, it can be beneficial to review your policy at least twice a year to keep yourself familiar with the current terms of your agreement.

Keeping these things in mind can help you in selecting, implementing and maintaining the best possible HPSO liability insurance for your health care facility.

Car Insurance: Why Every Driver Needs It

Performing routine maintenance on your vehicle is important, but ultimately, your insurance is the security for your investment. In VA, car insurance policies offer several different features to guarantee your safety whether you are on the road or parked in your own driveway.

Coverage for Any Vehicle

No matter what type of car you drive, insurance coverage is a must. Fortunately, your policy can be tailored to suit any vehicle, from classic collectibles to the average family minivan. Regardless of the make or model, an experienced insurance agent can help you find the right fit.

Protection From Other Motorists

Another benefit of purchasing car insurance is that you are protected from the actions of other motorists. If you are involved in a collision with someone who has insufficient coverage, your policy can provide additional assistance with injuries or repairs.

Comprehensive Property Policies

For those who are concerned about the safety of their vehicle when it is not on the road, a property policy is probably the best option for coverage. This includes damages from theft, vandalism and natural disasters.

If you enjoy knowing that you are covered under any circumstances, VA, car insurance is an undeniable advantage that can minimize potential risks. When it comes to your vehicle, you should feel confident knowing that your insurance company is there for you.

Does Your Business Have Cars? You Need This Insurance

Businesses of all sizes own automobiles. There are a variety of reasons to invest in a business automobile, including transporting goods and providing services. If you have a business auto, it is important to also purchase New Jersey commercial auto insurance. Even very small businesses can benefit from this important coverage.

Personal Policies Have Limitations

Many businesses assume that personal auto insurance policies will protect them in the event of an accident. This is not always the case, because theses policies have limitations. They usually do not protect you if your employee is driving and an accident occurs. Personal plans also do not protect your business from liabilities.

Minimize Your Risk

If your business has cars, a New Jersey commercial auto insurance policy can help minimize your risk. The cost of this policy is minimal compared to the risk you will be covered against. After all, automobile liability claims can be expensive. Without insurance, your company might be on the line for repair costs, property damage, and medical expenses.

Investing in commercial auto insurance is a smart decision, and it will protect both you and your employees on the road. When you have this important coverage, you will have peace of mind each day as your business vehicles are used.

Tennessee Car Insurance Requirements: A Crash Course

Recently move to Tennessee? Each state has its own rules and regulations when it comes to auto insurance, so it is essential that you learn what’s expected of you to ensure that you stay on the right side of the law. Tennessee car requirements state that you must have liability insurance so that you’re able to cover any injuries or damages you may cause while behind the wheel. Here’s a closer look at what else is required of you once you become a Tennessee licensed driver.

Liability Car Insurance Requirements for the Volunteer State

In order to adhere to state insurance guidelines, you must carry the following as part of your insurance policy:

  • $25,000 per accident in the event of injury or death
  • $50,000 per accident to cover all injuries or deaths
  • $15,000 per accident in the event that property damage results

While these Tennessee car requirements are unavoidable, other coverage additions are optional. You may want to add collision, comprehensive, uninsured motorist or rental car coverage to your policy to ensure you don’t find yourself in serious financial trouble after an accident. Furthermore, as important as maintaining proper coverage levels is keeping proof of this coverage in your vehicle at all times. If you are pulled over or involved in an accident and cannot immediately furnish proof of insurance, you may be subject to additional fines.

Coverage You May Want to Include in Your Auto Insurance

There are a lot of nuances when it comes to CT car insurance, or really car insurance in any state. There are different policies you can add to make the coverage fit your needs. In order to know what you need, you need to know what is out there and how to learn more.

Coverage Available

Each insurance provider is different, but some common coverages include:

Liability: Protects you from loss due to property damage or injuries that you caused while driving.

  • No-Fault: Ensures that you are covered no matter who is at fault.
  • Comprehensive: Covers you from things like fire and theft.
  • Uninsured/Underinsured: Protects you from drivers who are underinsured or uninsured.
  • Medical Payments: Pays medical expenses for the driver and passengers in your vehicle.
  • Collision: Protects you from loss when another vehicle runs into you.
  • And More: You can also get policies like full glass, towing, rental car insurance, gap coverage and so much more, depending on what you need.

There are a lot of different types of coverages that you can get, and it can be difficult to know what you need.

Talk to an Insurance Agent

The one sure way to know what you need is to talk to an insurance agent. They can make sure you get the right CT car insurance to fit your needs. Theyll help you keep everything in budget while getting the best insurance for you.

Tips for Buying Classic Car Insurance in New Jersey

Classic cars turn heads wherever they go. If you own one of those beauties, you most likely love to show it off, whether it’s on the open road or in a car show. No matter where you take it, there’s always the possibility of it getting damaged or someone being injured. Protect yourself with classic car insurance from a surety company in New Jersey. Here are some tips for getting the policy that is right for you and taking care of your investment.

  • Take pictures of your car, inside and out. Don’t forget to take pictures of the engine.
  • Get an appraisal of your vehicle from a professional. Remember to get a new appraisal after any modifications or renovations.
  • Work with your surety company in New Jersey to find an agreed value of the car. The actual value of your car may not take into your upgrades and the rarity of the car.
  • Make sure that you store your classic vehicle in a garage. Take pictures of your car inside the storage facility as a guarantee of how you left it.
  • Check your insurance policy for the mileage maximum that you’re covered. If you drive more than that, ask about a no mileage limit.

Don’t hide your car in a barn or storage shed because you don’t have insurance. Enjoy your work of art and show it off when it’s protected with the right policy.