If you’re a business owner and you or your employees use a vehicle for business-related deliveries or to carry certain materials to and from a job site, you may need a commercial auto insurance policy that’s tailored to more closely suit the needs—and risks—of a business vehicle operator.
Here are some questions that can help you determine if you might need a commercial auto policy instead of a personal auto policy, courtesy of All American Insurance.
All American Insurance is an independent insurance agency – trained, licensed insurance professionals who offer personal service and advice. We can help match you with the type of policy that best suits your needs and those of your company.
To learn more about all an independent agency offers, visit progressiveagent.com or give us a call.
With vacation season in full swing, you may be in the process of planning an annual getaway. While most people spend lots of time looking for ways to maximize their budget, one costly decision is often left to the last minute—whether to buy the optional insurance offered by a rental car company.
Follow these three tips, courtesy of ALL AMERICAN INSURANCE, to help you decide whether or not you should buy the coverage:
“Knowing whether you need to buy additional coverage can save you money and give you peace of mind so you can enjoy your vacation. Don’t start off your trip questioning your decisions—take control by talking with your independent agent or broker and knowing the answers to those inevitable questions.”
To learn more about all your independent agency can offer you, contact ALL AMERICAN INSURANCE or visit progressiveagent.com .
(NAPS)—Understanding insurance can often be like trying to learn a foreign language. Many find it confusing and intimidating.
Fortunately, there’s help. Here is a quick reference designed to help you understand some of the most common kinds of coverages. The reference was put together by The Progressive Group of Insurance Companies.
Liability covers bodily injury and property damage (BI/PD). This covers your legal liability, up to the dollar limits you select, for damages caused to others in a covered vehicle accident. In most states today, liability insurance is mandatory.
Under BI/PD, your insurance company pays for damages to an injured person and for property damage that you are legally obligated to pay as a result of an accident. If your policy covers you in the event you’re sued after an accident, your insurance company will pay for a lawyer to defend you.
Liability limits generally appear as three numbers, for example, 25/50/25 or 100/300/100. The first number refers to the maximum amount, in thousands, that your insurance company is obligated to pay for bodily injury per person. The second number is the maxi-mum that would be paid out for bodily injury per claim and the third number represents the maxi-mum amount your insurance company is obligated to pay for property damage you cause.
. When you buy collision coverage, your insurance company pays for damages if your vehicle collides with another vehicle or object. Collision coverage involves a deductible amount you select when you purchase your policy. This amount is what you are required to pay before your insurance company starts picking up the tab. Remember, the deductible amount is the amount you need to pay in the event of a claim.
Comprehensivee covers dam-age caused by events other than a car collision—such as fire, theft, vandalism, hail or flood. It also covers damage caused by your vehicle colliding with an animal. And if your car is stolen, it will cover the cost of a rental, subject to a daily limit. Like collision coverage, a deductible usually applies.
An independent insurance agent can help you determine the price, coverage and service that best meets your needs. To find an agent, go to progressiveagent.com .
(NAPS)—Car insurance may be one of the last things that comes to mind when you think about saving time, but the insurance company you choose can actually have a big impact on your time should trouble strike.
That’s one reason it’s a good idea to check out insurance options that can save you time. For instance, the concierge-level of claims service offered by The Progressive Group of Insurance Companies is a unique claims repair option that takes only 15 minutes to complete. Simply drop off the damaged vehicle at one of Progressive’s facilities offering this service and a claims representative handles the entire claims/repair process for you— from start to finish.
Here’s how the process works: