Did you know that in most cases regular car insurance does not cover accidents or damage incurred while vehicles are being used for business purposes? If you use a car in the daily operations of your business, then commercial car insurance is important to have.
The state of Texas pays the highest expenditure for auto insurance claims as a result of hail storms. This weather phenomenon costs insurance companies in the state an average of $924 million each year.
Have you been hesitant to contact us because you genuinely aren’t sure whether the nature of your small business requires commercial auto insurance? We would much rather you call us and learn that you don’t need to switch policies than to wait until you get into an accident to learn you should have switched.
Is it cheaper to have your teen drive a new vehicle or a used car? As long as the vehicle is reliable, you'll save money with a used vehicle, particularly if you decide to drop the collision and comprehensive coverage on that vehicle.
Buying a new car and loading up on extras? Be careful, some may bring an increase in your insurance rates. On a related note, have your policy checked and eliminate services that may be covered by your credit cards or other policies.
Car insurance policies formally came into existence in Buffalo, New York. In February 1898, Dr. Truman Martin purchased the first formally acknowledged car insurance policy.
We realize that no one wants their second job to turn into a financial liability for them. Whether you’re delivering the Sunday paper or starting a business out of your basement, we’re always ready to help you determine whether a commercial auto insurance policy can give you the protection you need.
A key part of what type of coverage covers damages is dependent on who is at fault. For example, if you collide with an object, then the damage is paid for by your collision coverage. If another driver hits you, then their liability coverage pays for the damage.
Multiple options are available for paying your car insurance premium, monthly, semi-annually, or annually and each has its benefits. If you are not sure which is best for you, arrange a visit with your agent.
If your company owns the vehicle being insured, the name of the company will be used to identify the “principal insured” on the policy. This is important for a number of reasons, not the least of which is an accident involving an employee using the vehicle for business purposes.
How you pay for your auto insurance can affect how much you pay. Paying electronically or paying in full can result in discounts.
Come see us this afternoon for the Fenton & Linden Regional Chamber of Commerce’s event “An Event So Good... It’s Scary” 👻 We will be outside from 1 to 5pm, make sure to come visit us for treats 🎃🍬
We can’t wait to see everyone! 👻🎃
FRI, OCT 30
An Event So Good It's Scary
If you drive, one of the most important things that you should always have is auto insurance. Because of the uncertainty that comes with driving, each time you go out without appropriate coverage, you are taking a big financial risk that can see you out tens or even hundreds of thousands of dollars.
We recommend an annual review of your car insurance policy to make sure you have the coverage you need and are paying the lowest rate possible. Many times, there are new discounts available that work to your advantage.
Is your car insurance up to date? Driving habits, changes in car value, and other factors all play a role in premium rates. A quick annual review is the best way make sure you have the right coverage at the best rate.
Can I rely on my car insurance company to apply any discounts that I qualify for? In some cases, your insurer may not be aware of information that would lead to a discount – such as the completion of a defensive driver course, for example.
When it comes to car crashes, damage to property is one thing but, a more serious consideration would be expenses related to bodily harm. Without the proper coverage, you could be faced with huge medical bills that may lead to your bankruptcy.
Never mislead your auto insurance agent about the number of miles you drive during the typical year. Why? Should you be involved in an accident, your insurer could refuse coverage and rescind your policy.
Remember, your insurance premiums are set based on a variety of factors, such as age, driving record, type of vehicle and where you live. In some cases, your credit score may also be a factor.
If you are in business for yourself and you use your vehicle for business purposes, you need to have commercial auto insurance. These policies provide protection for situations not covered in standard policies.
We understand that many families are looking for ways to cut their monthly expenses. Before you switch to cut-rate auto insurance, remember to let us check out whether it will really provide the same coverage level.
Buying a used car? Request the maintenance records. Having these when insuring it can help lower the rates. If the seller doesn't have any records, you may want to find another car.
Sometimes it's the little things: If you have a crack or chip in your windshield, have it fixed as soon as possible. They can spread quickly, compromising the safety of your car. Check your insurance because it might cover the repair costs.
As an employer, you want to attract the best drivers for your business. One of the ways to do this is to include personal injury protection on your business vehicle policy. This inexpensive perk assures drivers that you care about their well-being.
Comprehensive coverage doesn’t mean complete coverage. We know, it’s a bit misleading. Comprehensive refers to the repair or replacement of a vehicle that's damaged from something other than a car accident (tornado, tree damage, vandalism, theft, animals, etc.).
If you provide your driving age child with a vehicle, it's important to emphasize that no one else should drive it apart from immediate family members. This is because if the car crashes, insurance may not cover any damage should they find that someone unauthorized was behind the wheel.
While a comprehensive car insurance policy is great to have, it isn't a license to throw caution to the wind. In fact, you'll need to be even more careful as frequent claims (more than one per year) may result to your insurer dropping you or not renewing your contract.
Auto insurance premiums have factors. They can be based on the owner or the users’ age, driving experience, accident history, and others. Those who wish to reduce their premiums can agree to take on more risks, which mean increasing deductibles.
SERVPRO of Fenton / SERVPRO of NW Genesee County
Yesterday at 7:22 PM ·
If your pipes have ALREADY frozen over. . .
🔵 Locate the water main shut-off valve
🔵 Open the faucet so thawing water can flow freely & relieve pressure
🔵 Warm the pipes w/ a space heater or hairdryer
🔵 If you find leaks are causing water damage, give us a call right away
When it comes to choosing a business auto insurance policy, it’s generally best to err on the side of caution, and make sure that you have more protection than you think you might need. Your agent can help you assess your business needs to find the right plan for you.
The safer your car is, the lower the premiums will most likely be. While all modern vehicles have seat belts, the number of airbags a car has will bring premiums down, as will a high safety rating for your car.
Did you know your credit rating can affect the amount of your premium? Those with bad credit pay higher rates than those with good. If your credit is bad, contact a credit counseling firm about how to improve it.
Tow truck operators don’t just need coverage to protect their truck, they also need coverage that will take care of any damage they cause on the vehicle they’re towing, or from debris that falls off of the vehicles. Commercial insurance will make sure you’re fully covered.
When is additional medical and/or personal-injury protection recommended for additional insurance coverage? For drivers who have limited health insurance policies that will not be able to cover medical costs associated with severe vehicular accidents.
Some of the factors that can affect how much you have to pay for car insurance are your age and gender, the make and model of your vehicle, and your location. Most insurers will also look at your driving history.
It’s important to remember that not every other driver on the road may take their responsibilities as seriously as you do. Adding uninsured motorist coverage can help you with vehicle repairs in the event the responsible party isn’t covered after an accident.
If your mileage goes down, for instance if you get a job closer to home or work from home, you can usually get an extra discount on your auto insurance.
Most US states require basic auto insurance coverage for their residents. While these vary, the state will most likely require you to include these: bodily injury liability, property damage liability, and personal injury protection.
Why is car insurance so high for teenagers? One word: Risk. Drivers between the ages of 16 and 19 (inclusive) are four times more likely to be involved in an accident than any other age group.
Few things are as frustrating as paying for insurance coverage for years and then finding out you aren’t covered the one time you need it. Let’s talk about whether the nature of your personal vehicle use is enough to justify switching to a commercial auto policy.
The basic commercial liability insurance requirements will vary depending on the state, your business, and other factors. It can get pretty confusing, but a commercial insurance expert will help decode it for you to make sure that you’re in compliance with all regulations.
Are you worried about paying for any injuries the people in your vehicle may incur if you get into an accident? Personal Injury Protection coverage pertains to the people in your car during an accident.
SERVPRO of Fenton / SERVPRO of NW Genesee County
February 5 at 2:35 PM ·
Genesee County is headed for some single digit temperatures in the next week - here’s some ways you can prevent your pipes from breaking in the extreme cold.
You can always call SERVPRO of NW Genesee County and Fenton 24/7 if you experience damage from a burst pipe. 📱 810-732-3298
Do you have teenagers of driving age in your house? Don’t be surprised if your car insurance rates go up. Some companies do this automatically, whether they are driving or not.
Shopping around for the best auto insurance rates is one of the most efficient ways to cut costs. Drivers who are meticulous and are always comparing rates are likely to find the best and most affordable.
Do you use your car at least part of the time for business? Then you’re in luck. If you have business car insurance coverage, you can deduct it from your taxes as a business expense.
People seeking auto insurance can keep monthly payments low by driving a safe, slightly older, or less valuable vehicle. Expensive vehicles may cost more to insure.
The amount of commercial automobile insurance needed depends on several factors, including how well your company and its assets are protected. Our agents review all aspects of your situation and make recommendations based on that information.
Just as with automobiles, riding a motorcycle with a good safety rating can keep your insurance premiums low. Also, owning one that is not expensive to repair can lower them as well.
Fender benders are the top reason for auto insurance claims. Some of the other contenders to make the top five most common claims list are theft, neck or back injuries, vandalism, and windshield damage.
The amount of commercial automobile insurance needed depends on several factors, including how well your company and its assets are protected. Our agents review all aspects of your situation and make recommendations based on that information.
The greater the passenger protection and the more extensive the anti-theft protection that is installed on a car can have a dramatic effect in lowering the premium rates for car insurance.
Just as with automobiles, riding a motorcycle with a good safety rating can keep your insurance premiums low. Also, owning one that is not expensive to repair can lower them as well.
Just as with automobiles, riding a motorcycle with a good safety rating can keep your insurance premiums low. Also, owning one that is not expensive to repair can lower them as well.
Fender benders are the top reason for auto insurance claims. Some of the other contenders to make the top five most common claims list are theft, neck or back injuries, vandalism, and windshield damage.
The amount of commercial automobile insurance needed depends on several factors, including how well your company and its assets are protected. Our agents review all aspects of your situation and make recommendations based on that information.
Love the home you live in. Protect it with homeowners insurance and save monthly for an upgrade fund. You’ll feel safe and happy knowing you’re the one in control of your space.
Are you a member of any organizations that offer auto insurance discounts? Groups like the American Automobile Association, the American Association of Retired Persons and many others offer discounts that can help you save money.
Vehicles depreciate in value every year, regardless of the condition in which they are kept. While you should never lower your liability coverage, an annual review of your car insurance will help you make sure your damage coverage is not greater than the value of the car.
The greater the passenger protection and the more extensive the anti-theft protection that is installed on a car can have a dramatic effect in lowering the premium rates for car insurance.
Just as with automobiles, riding a motorcycle with a good safety rating can keep your insurance premiums low. Also, owning one that is not expensive to repair can lower them as well.
Fender benders are the top reason for auto insurance claims. Some of the other contenders to make the top five most common claims list are theft, neck or back injuries, vandalism, and windshield damage.
If your car is damaged by a flood, it won’t be covered by flood insurance for your home, even though those policies cover personal property. In this case, it’s the comprehensive coverage part of your automobile insurance that takes care of it.
Having your home remodeled? Add a temporary umbrella liability policy to your homeowner’s insurance for extra protection. Even if the contractors have insurance, legal action can still be taken against you if someone gets injured.
SERVPRO of Fenton / SERVPRO of NW Genesee County
March 15 at 10:35 AM ·
Check out the summer program for one of the recipients of our 2020 #SERVPROCaresCampaign. Active Boys In Christ and ABC Youth teach hands-on life skills to kids in our community, ages 7-17. Contact Derek Watkins at 810 391-2296 for more information or to sign up a child in your life!
Do you know why laminated safety glass is now required to be used in car windshields? It is due to the lobbying efforts of plastic surgeons.
Love the home you live in. Protect it with homeowners insurance and save monthly for an upgrade fund. You’ll feel safe and happy knowing you’re the one in control of your space.
Are you a member of any organizations that offer auto insurance discounts? Groups like the American Automobile Association, the American Association of Retired Persons and many others offer discounts that can help you save money.
Did you know each state has different regulations regarding liability amounts for auto insurance? Before taking a road trip, make sure your liability insurance can meet every regulation.
When making improvements or additions to your home, review your insurance policy after the project is completed. You want to be sure the policy coverage reflects the upgrades.
Auto insurance has been around for over a century. Although a liability policy was issued in 1889, it was not mandatory until 1925, when Connecticut required all drivers to show financial responsibility should property damage, death, or injury be caused by a driver.
A cash homeowners' policy will pay the homeowner the original purchase price of whatever was damaged (minus the deprecation of wear-and-tear). For example, if a home was purchased for $100,000 ten years ago, then the homeowner can collect only $100,000 (less a decade of depreciation), even if the home is currently appraised at a higher value.
If your car is damaged by a flood, it won’t be covered by flood insurance for your home, even though those policies cover personal property. In this case, it’s the comprehensive coverage part of your automobile insurance that takes care of it.
Having your home remodeled? Add a temporary umbrella liability policy to your homeowner’s insurance for extra protection. Even if the contractors have insurance, legal action can still be taken against you if someone gets injured.
