4 Questions To Get The Right Auto Insurance
by Lisa Cascioli on 08/12/10
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 jobsite, you may be in need of a Commercial Auto insurance policy. This type of policy can be tailored to suit you're specific needs and risks of the business.
Ask yourself these 4 Questions.....
- Do you need more liability coverage than your personal auto policy provides?
- Do you need special coverage for situations associated with conducting your day to day business operations?
- Do you have employees that may drive your vehicle?
- Do you use your vehicle for business purposes?
Jones & Cloud Inc. Insurance is an Independent Insurance Agency-trained, licensed insurance professionals who offer personal service and advice. We can help you match the type of policy that best suits you and your business.
Fact vs. Fiction Uncovering auto insurance myths
by Lisa Cascioli on 05/14/10
Like a teenage eager to try a new video game, playing before reading the rules, many drivers buy insurance without really understanding what they're buying. In the rush to feel "covered," they can skip the details. That can lead to frustration. Following are five insurance myths heard by some of the more than 13,000 claims people at Progressive.
Myth: I bought "full coverage" so everything's paid for.
Reality: There is no such thing as "full coverage." In most states, only liability insurance is mandatory. There are a lot of other coverage options out there, so select what you need and can afford based on your personal situation.
Myth: I need three estimates before my wrecked vehicle can be repaired.
Reality: Not necessarilly. Very few insurers actually require this, although some might. If you decide to use a shop that's in an insurance company's "network" of pre-approved shops you may just have to get an estimate from that shop.
Myth: My insurance premium always increases if I'm involved in an accident.
Reality: It depends. Your rate can increase, decrease or stay the same. The information about your accident is combined with other information about you, your car and your driving history to determine your rate.
Myth: If I lend my car to someone and he/she crashes it, I'm covered.
Reality: Not so fast. If you or your friend don't have optional physical damage coverages, damage to your vehicle generally won't be covered.
Myth: If I buy a new car, my auto insurance company automatically knows; and my new car is covered.
Reality: No. Most insurance companies require that you notify them or your agent within a specified number of days.
Insurance can be complicated. It's not something people deal with every day. So the more informed you are, the better choices you'll make.
Pet Insurance
by Lisa Cascioli on 04/26/10
Keeping Fido Safe On The Road
Pet owners spend a whopping $40 billion on their furry friends each year. That's enough to buy a galllon of gas for every man, woman and child in the United States...44 times. Insurance companies haven't always viewed pets with the same passion as their owners. If you're in an accident, generally everyone in the car- except your four-legged friend- is covered.
The Progressive Group of Insurance Companies now recognizes Fido and Fifi as family members. A Progressive policy with collision coverage now extends to cats and dogs. The coverage pays up to $500 if your dog or cat is hurt or dies as a result of a car accident.
And, best of all, the coverage is free.
Progressive's pet injury coverage is available in most states. To find out more, contact our office.
