Articles & Resources

It seems like a simple question.  But, the answer could mean the difference between thinking your insured and not being insured.  

In order for you to insure any property (ie Car, Truck, Home, Boat, Motorcycle, Moped) you must have an insurable interest in that property.  Your name must be on the Physical Title at the court house to insure it on your policy. 
Example…you give your child a vehicle for college.  The child may still be listed as a driver on your policy, but if the vehicle is titled in the childs name only, that vehicle can not be insured on your policy.  Your name and the childs name must be listed on the Title to insure it on your policy. 

Don’t let a accident happen before you find this out!! 

Using the right tool for a job is key to success in any profession. Experts say the same principle applies when selecting an auto insurance policy. Having the right type of policy can help ensure that you, your employees and your business are all protected in the unfortunate event that one of your vehicles is involved in an accident.

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 Ramsey-Weeks, Inc.:

• Do you need more liability coverage than your personal auto policy provides? Generally, a commercial auto policy provides higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks.

• Do you need special coverage for situations associated with con-ducting business? Commercial auto policies also usually offer certain coverages—such as hired and non-owned auto coverage and coverage for towing a trailer for business use—that are not available with personal auto policies.

• Do you need to list any employees as drivers? You can do this with a commercial auto insurance policy.

• Do you use your vehicle for business purposes? If you use your vehicle for things like pizza or newspaper delivery, catering, door-to-door consulting service, landscaping or snowplowing service, logging business, day care/church retreat van service and/or farm-to-market delivery, you might need a commercial auto policy.

Ramsey-Weeks, Inc. 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.

Insurance News and Notes An Independent Approach To Car Insurance (NAPS)—Many consumers are finding they can drive down the cost of car insurance—and the time it takes to select the right policy— by contacting an independent insurance agent or broker. Because they represent many different insurance companies, independent agents have the flexibility to review rates and coverage from competing carriers and get you the best deal.

Read more: An Independent Approach to Car Insurance