Protect Your Business Vehicle in Three Easy Steps

Whether you’re a business owner looking to insure one of your company’s cars, or an employee not sure about who is responsible for crashes, it’s important to have an extensive understanding of business vehicle protection. Here’s just three easy steps to keeping that company car protected.

business vehicle

Do your research

Just like a privately owned car, company cars must be insured in standing with the insurance laws of the state. And just as if you were insuring a privately owned car, do your research. Unfortunately many insurance comparison websites do not take into consideration company cars, although there are a few that can be found with a simple Google search.

Choose your policy

If you own the business that the car belongs to, you’ll need to be responsible for them, as well as the employees that drive them. Therefore, it is your responsibility that you insure every employee to drive your vehicles during a company’s business hours. This should have a high enough liability limit to prevent legal action taken against you due to accidents or injuries. A coverage of $500,000 is ideal, but ensure that you insure to at least $100,000. This policy should include comprehensive and collision protection. In addition to covering injuries resulting from crashes, it will protect your vehicle from fire and theft, as well as crashes with property. If the vehicle is a write-off, the insurance company will pay for it completely. The final point to consider is rental and towing. When the company vehicle has a breakdown, you’ll want to have this coverage. This allows you to be reimbursed for rental charges by your insurance company for the time it takes your car to get back on the road. When the company car gets a flat tire or suffers mechanical problems, your insurance company will also cover the towing charges. It is essential you protect your investments and get your car back on the road as soon as possible.

Keep your no-claims

If you happen to be switching your company car to a private, you’ll want to keep your no-claims. Most of the time insurers won’t let you keep your previous no-claims bonus. However, if you call, some companies may give you a special bonus if you’re switching to a private car. While the automatic online systems don’t allow discounts, an agent might be able to manually give you one. Call the top providers in your area and discuss this issue with them. Insurance companies have a tendency to hold on to your money as long as they can. That’s why it pays to have protection in case you’re in an accident and out of pocket. Motor Accident Legal Service can provide you with legal assistance in a bind. You can find them by following this URL.

Company vehicles are the lifeblood of the business. If one goes out of action, it could mean thousands in lost revenue. That’s why it’s so important that they are adequately insured and back on the road as soon as possible.

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Vichaya Kiatying-Angsulee – FreeDigitalPhotos.Net

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Shop Smart for Car Insurance

Do you have the right car insurance for you and your vehicle? Shopping for and selecting an insurance policy can be a complicated, time-consuming effort, so it’s easy to see why so many drivers pick an insurance company and just stick with them. But you should really take the time to explore the waters of the car insurance market, because there are most definitely savings to be had. Before making the final decision on a policy, consider the tips laid out in this article.

car insurance

First, start with family members or friends who have been involved in an accident. Ask them how their insurance company handled the claim, and if they felt that the claim was handled satisfactorily. How an insurance company stands by its customer in the event of an accident will say a lot about whether or not that insurance company is the one you should go with.

Check blogs for ratings and comparisons on car insurance. Authors may weigh in with their personal experience with auto insurance companies and individual agents, and these anecdotes can be helpful in assisting you in determining who is on the “Maybe” list, and who is getting crossed off. Plus, you may be able to see at-a-glance info on average premiums, deductibles, and how quick and efficient insurance companies are at addressing claims.

Look for articles about insurance companies that are relevant to your geographical location. Auto insurance policy info for Florida drivers won’t be of much relevance if you’re living in and/or commuting to Washington, D.C. – in this instance it’s the Washington DC auto insurance articles that you’ll want to seek out.

Take the time to fill out a quote. While quotes often require several pages worth of clicks and inputted info, the result is a detailed policy that provides coverage that’s relevant to you based on the car you drive, what type of driving you do (urban vs. rural, driving for work or for pleasure, etc.), and what type of driver you are. And remember, always be honest about traffic tickets, accidents, and other violations: most car insurance companies do credit checks, so even if you don’t report violations to them, they’ll find out anyway, and “adjust” (aka inflate) your premiums accordingly.

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Savit Keawtavee – FreeDigitalPhotos.Net

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Gun Owners Need Protection Too

Even if you own a gun for the purpose of protecting yourself and your family, did you know that you could still end up needing a great deal of additional protection, too? Although you may be ok in the area of physical strength when it comes to a home intrusion, the legal – and ultimately the financial – liability can end up to be quite substantial should you end up being sued by the very intruder who entered into your home.

protection from burglary

Yes, you read that correctly – even if someone comes into your home illegally with the intent to steal your belongings or harm your family, and you fire your weapon at them in self defense, you could essentially end up being the defendant in a civil liability lawsuit – a legal battle that could potentially cost you hundreds of thousands of dollars in legal and attorneys fees before it’s all said and done.

With this in mind, even if a home intruder doesn’t get away with your physical possessions, you may still essentially be robbed of your assets and your savings in fighting a lengthy and costly legal battle in order to protect yourself.

Adding an Extra Layer of Protection for Gun Owners

The good news is that gun owners can now protect themselves financially from such lawsuits with self defense insurance. These policies are designed to give gun owners peace of mind – especially given the legal maze that they may be required to go through after shooting someone in self defense. While many people may assume they are covered under their homeowners insurance policy for this type of liability, in most instances, this is not the case.

Who Needs Self Defense Insurance Coverage?

When it comes to obtaining self defense insurance coverage, anyone who owns a firearm should seriously consider purchasing a policy. This should be the case even if they’ve never had the occasion to use their gun to defend themselves – because you just simply never know when the time will come.

Affordable Protection That is More than Worth It

Many gun owners who apply for self-defense insurance are happily surprised to discover that coverage is very affordable. These types of policies can typically be purchased for between $20 and $30 per month in premium – depending on the specific benefit options and coverage amounts that are selected.

In many cases, self defense insurance policy holders can select from several different dollar amounts of coverage for the lawful shooting limit, the criminal defense expense limit, and the overall policy aggregate limit – which can be as high as $500,000 on certain plans.

These policy funds can go a long way in protecting one’s assets and in preventing someone from diminishing savings and other assets, digging a deep hole of high interest credit card debt, or – even worse yet – having to file for bankruptcy, all because they were simply trying to protect themselves and their family from a senseless crime.

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Protecting Your Enterprise with Business Insurance

Running a business involves risks and those who come unprepared for these risks may find themselves losing their shirt over one bad incident in the office. One way to protect yourself and your business against losses is by getting an insurance coverage. There is no shortage of choices when it comes to shopping for business insurance. Entrepreneurs can find several insurance companies in their state with their own range of products, and some can even be tailored for your business needs. However, it is important to familiarize yourself with insurance products that can help your business.

business insurance

A life and health insurance policy is the most basic insurance coverage that business owners should have, especially if the business is the only source of income for the family. Hospitalization expenses can take a toll on your finances without any healthcare assistance while financial assistance for the family can help ease the burden of losing a breadwinner in the family. The same coverage should also be given to your employees regardless of the size of your business. When it comes to protecting your business operations there are several products that you can choose from. Ideally, your business insurance should cover general liabilities, property damage, and worker’s compensation insurance. These can all be included in a comprehensive policy or bought separately.

Liability insurance policies help you cover expenses that may be incurred when employees, products, or services of your company cause damage or bodily injury for a third party. They may also provide you with defense coverage which is commonly included in a general liability insurance policy. Another business aspect that needs protection is your assets or investments. Cars and delivery vans that are used to service the customers and employees of the company can be enrolled in commercial auto insurance policies for coverage against accidents or car collisions.

Getting a business insurance policy for your company should be given careful thought. Aside from choosing the right set of products that match your business needs, one should also choose their insurance providers with prudence. A bad choice can lead to frustrations in claiming benefits or availing of their services. If you truly want to protect your business, then pick the ones that have been tried, tested, and approved by their clients.

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Arztsamui – FreeDigitalPhotos.Net

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Rightfully Claim Disability Insurance with a Good Disability Lawyer

People say that the only thing constant in this world is change. That can never be truer. Change can be good, but at the same time, it can be bad. A case in point is when a person who used to work and provide for his family suddenly suffers from a debilitating illness or injury. The worst-case scenario is disability, which could render the person incapable of doing what the things he used to do. Try to imagine how hard it can be for someone to shift from being a provider to a dependent. Indeed, disability can suddenly turn the tables around. One who used to provide for his family can instantly become needy of his family’s support.

disability insurance claim

While such is always a sad case, there is actually an upside to it. That’s because persons with disabilities are actually entitled to a special kind of insurance. This type of insurance assures that when a person is sidetracked by disability, he would be entitled to benefits. It doesn’t matter if the disability is short-term or long-term. When such is filed, a person may be entitled to paid sick leave, compensation, and other benefits.

Of course, there are many variables to consider when claiming disability insurance. For instance, it needs to be established whether the injury or disability was incurred while the person was working. If you want to find out more about these, you could contact companies such as to help you out. Considering the variables is very important, as these would determine what the insurance will cover and how long the coverage period would be.

Sadly, some people are denied of their benefits when it comes to claiming disability insurance. This is preposterous considering that what you’re trying to claim came from taxes that were deducted from your paycheck when you were still working. This type of claim is actually an entitlement. You will not be claiming this as a favor. That’s why seeking the help of a disability lawyer is important so he can walk you through the process of making an appeal to make sure that you got all bases covered. Remember, you are just claiming what is rightfully yours.

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David Castillo – Free Digital Photos.Net

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