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Read MoreHow Auto Insurance Works for Uber, Lyft, and Other Rideshare Drivers
With all the excitement around Uber, Lyft, and other rideshare companies, you may have thought of signing up as a way to earn extra cash. As a driver, you may wonder about auto insurance implications and accident liability. Here, you’ll learn what to do to avoid expensive consequences and insurance surprises. What Is a Rideshare Service? Uber and other rideshare services compete directly with car services and taxi companies. Passengers hail a car from a smartphone app, and it usually costs less than a taxi. From an industrial standpoint, rideshare and taxi companies are similar in that they don’t operate or own the cars, and drivers aren’t employees. However, unlike a taxi company, almost any person can drive for a rideshare service. In most places, the only requirements are auto insurance, appropriate health and age, the successful completion of a road test, and a background check. Driving for a Rideshare Service May Invalidate Your Personal Auto Coverage Your auto insurance policy may not cover you if you’re driving for a service such as Uber or Lyft. Personal policies have a long list of exclusions, and “driving for hire” is usually on the list. If you’re driving for a rideshare service, your policy may consider this “commercial driving.” If you’re not covered, then you need rideshare insurance in Chicago. You May Need a CDL If you’re driving for a rideshare company, you’re in a professional capacity the minute you pick up passengers. Although you’re an independent contractor, your state may classify you as a commercial driver. If you fall into this group, you may need a CDL (commercial driver’s license) to operate lawfully and fulfill insurance requirements. If you’re considering working with a rideshare service like Lyft or Uber, it pays to be honest with your insurer about your coverage needs. Visit us at https://www.accurateautoins.com/ to learn more or call Accurate Auto Insurance to request a quote for rideshare insurance in Chicago. Be the first to...
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Read MoreAuto Insurance in Monterey: How Much do you Need?
Almost one in seven American drivers has no auto insurance, according to the Insurance Research Council. With that number of uninsured drivers, it’s important for you to have the proper coverage, but it’s also hard to tell how much Auto Insurance in Monterey you need. If you’re like most of us, you’re feeling the economic pinch, and it’s all too tempting to get the state minimum level of coverage. Unless you’re driving an older, low-value car and have no assets, that’s probably a bad idea. Every state (except for New Hampshire) requires that all drivers have liability insurance, and coverage levels vary by state. For example, Alabama requires $25,000 in bodily injury liability for one person, and $50,000 per accident, along with $25,000 in property damage coverage. PIP, or personal injury protection, pays your lost wages and medical expenses in the event of an accident. Some states require drivers to buy uninsured motorist coverage, which pays for medical expenses, car damage and pain/suffering. Besides the various types of liability coverage, there’s also comprehensive and collision insurance to consider. Comprehensive coverage protects you against fire, theft, explosion, falling objects and other problems. Collision insurance is just what it sounds like-protection against running into something, be it stationary or moving. Most car leases require the purchase of comprehensive and collision coverage, but if you’re driving an older car and your deductible and premium are equal to or greater than the value of your car, you can do without it. Before you buy any additional Auto Insurance in Monterey, you should take a look at your other policies so you’re not buying coverage you don’t need. If you have good health insurance, you can get by with the minimum in personal injury protection (or none, if it’s not required in your state). However, you could end up having to pay a deductible and/or co-pay that you wouldn’t be stuck with if you had PIP. Paying for car insurance can seem like just one more way to spend your hard-earned money, but you should keep in mind that you’ll probably need it at some point. Buy a good policy, and know what your state requires (and what you really need), and you’ll be ready when the unexpected happens. Visit Coastautoinsurance.com for more details. Be the first to like. Like...
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Read MoreGet Comprehensive Auto Insurance in Suffolk County, NY
It might happen when you are driving down to work at the start of the day. It might happen when you are driving around town during the day, trying to get a few errands done before you pick up the kids at school. It might happen when you head uptown to meet up with your friends for a great night out. It might happen any time at all, day or night, rain or shine, but however and whenever it happens, the result is all too clear – you’ve been involved in a serious auto accident, and you’re now left picking up the pieces of your life. Auto accidents can be hard enough to deal with. That’s why you’ll want to make sure that you have a much needed helping hand on your side by taking out a policy with the best experts in auto insurance in Suffolk County, NY. Schedule a Consultation When you contact the best name in auto insurance for citizens of Suffolk County, you’ll be able to sit down and craft your policy with a trained team of experts. They will be able to review different types of coverage with you, helping you craft a package that responds to your specific needs without hidden or extraneous costs. Comprehensive Coverage If there’s anything worse than being involved in an auto accident and not being covered, it’s suffering an accident and finding out that your insurance doesn’t cover you. That’s why you’ll want to place a call to the best name in auto insurance in Suffolk County, NY. For all of the different coverage options that you have, one constant you can count on is comprehensive coverage. Suffolk County’s auto insurance experts can help ensure that you cover everything you want in your new policy. Check out Ginsbergagency.com, and protect your vehicle with quality auto coverage policies. Be the first to...
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Read MoreTips for Buying Auto Insurance in Valencia, CA
Purchasing an auto insurance policy is one of the most important things for drivers. An automobile insurance policy gives you coverage against a variety of different elements, such as protection in case of an accident, and coverage for medical costs while on the road. Almost every insurance company in the United States offers insurance policies, so it’s recommended that you choose your options carefully. There are many important factors to consider before purchasing an automobile insurance policy. Here are some important tips for purchasing auto insurance. Always Compare Quotes Instead of asking for a quote from one company and making your decision, it’s important that you compare quotes from a variety of different companies. You have to compare quotes from numerous companies before making a decision. One of the best things that you can do is contact an insurance agency and ask them to show you multiple options. One of the best agencies in the business is the Heitz Insurance Agency. Increase the Deductible It’s also recommended that you increase the deductible slightly if you want to pay a lower premium. The deductible is the amount that you will have to pay once a claim is approved, so it’s recommended that you increase it slightly to get a better quote for the premium. If you are interested in purchasing auto insurance in Valencia, CA, it’s recommended that you stay a bit flexible. Always make sure that you ask for quotes from numerous companies in the region and go through the terms and conditions carefully. Make a decision once you have gone through the details comprehensively. These are just a few things that you should know about purchasing an insurance policy. Be the first to...
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Read MoreHow to Get Your RV Ready for a Road Trip
There’s nothing quite as exciting as hitting the open road in your RV. While you know it’s important to have the tires fully inflated and make sure your RV extended warranty is in place, you may not know what else needs to be done to get your RV ready. Don’t worry; here you can learn some helpful tips to ensure your RV is ready to hit the road. Clean Everything While you know you want to clean the interior of the RV before you embark on an exciting trip, you need to also clean some of the outer components. The fact is everything works better when it’s clean. Also, if you allow the grit and dirt to remain in place, it can result in serious wear. Think about applying a coat of quality wax, as well as a UV protectant, to help ensure your RV looks great for your entire trip. Check the Seals and Seams You need to make sure you’re keeping close tabs on all of the external seams and seals. Be sure to look for any signs of holes or cracking, especially on the roof of your RV. Water penetration is one of the most damaging factors and can cause serious problems for your RV’s roof and outer structure. If you’re headed out for a trip and don’t yet have an RV extended warranty, be sure to look into one. These can help you if something goes wrong and avoid hefty out-of-pocket costs. Learn more about how to get your RV road ready by visiting the Good Sam Auto & RV website. 2 people like this...
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Purchasing Cheap Insurance : How To Find The Right Auto Insurance Company?
Putting up with exorbitantly priced goods with little or almost no increment in monthly earnings is a major challenge that most customers face today. Therefore, even if a person is able to afford a house, he makes sure he cuts down on the insurance premium. Similarly, in the case of vehicle purchase, most car owners tend to keep the state regulations in mind and purchase the packages that meet the minimum requirements. As most car experts agree, this is not a very wise thing to do, especially since the car owner ends up making those heavy monthly payments. Cheap Insurance Purchase: The Process Of Selection A wise customer who is looking to purchase cheap insurance will not jump into rapid financial commitments. Instead, he will try to make sure that he selects an auto insurance package that does not require him to make heavy monthly payments. So, how do you go about purchasing cheap insurance in the very first place? Here is a brief idea of what you need to do in order to get the best suited package for your vehicle, business, or house. * Start out by getting free quotes from different insurance providers, and run a careful check of figures. Comparing the coverage offered by different providers benefits every car owner mainly because they get a clear idea of the benefits and short-comings of the packages provided by different providers. Many providers offer packages that allow you to distinguish between two or three types of comprehensive coverage. This is a great option since in addition to liability and collision coverage, your vehicle will have security against certain types of comprehensive damage. * One main factor that you need to keep in mind while purchasing cheap insurance is that you have to reduce the monthly payment load. With some excellent deals doing the rounds, you will not find it hard to spotone that suits you best. But remember, the only way you can reduce the monthly payment load is when you select a higher deductible. If this arrangement suits your vehicle insurance needs, then rest assured you will be able to get some of the best deals in cheap insurance in no time. While looking to purchase cheap insurance, Elyria OH area residents and car owners must make sure they run a thorough check of the packages available with all local providers much ahead of purchasing the vehicle itself. This will save them the trepidation of having...
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Read MoreHow To Choose The Right Elyria OH State Auto Insurance Company
Anyone who is on the road needs to have some form of auto insurance. No one knows what could happen while they are on the road so it is best to have auto insurance, just in case everything does not go as planned. No one plans to have a car accident but it happens Some people may think that insurance is just a waste of money to purchase the auto insurance; however this could not be further from the truth. If something happens on the road and people want to fix their car they will have a massive bill. By having the auto insurance the repair will not come out of the car owner’s pocket but the insurance will pay for it. When someone is searching for Elyria OH State Auto Insurance there are several things they should pay attention to. One thing they should definitely try to do is get price quotes on auto insurance. This way they will know about how multiple companies are charging and they will know if they are truly getting a good deal or not. It takes time to contact multiple companies; however if it means saving money it is worth the effort. When people are getting quotes it is imperative that they ask questions if they do not understand what is being explained to them. Sometimes if people want to save a little time getting quotes they may be able to get a quote online. So if someone is computer savvy this maybe a good option. Another thing that people should take into consideration is the reputation of the company. If a particular company has low prices but when someone makes a claim it takes an extended period of time for them to help someone with their claim or it is never taken care of, they should be overlooked. The whole idea of having insurance is so a person will not be stressed about the repairs. Great auto insurance can be found; however it will take a little effort. People should take the time to find the insurance that fits their needs and makes them feel a bit more comfortable on the road. Schlather Insurance Agency provides instant and free auto insurance quote that’s right for you in Elyria OH state. When someone is searching for there are several things they should pay attention to. One thing they should definitely try to do is get price quotes on auto insurance. This way...
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Read MoreThe Differences Between an RV Warranty and an Extended Maintenance Plan
Buying an RV can be considered a huge investment. Like with other investments, it’s important to ensure your assets are well taken care of. This is why many people choose to protect their vehicle with an RV warranty or extended maintenance plan. Unfortunately, many don’t understand the difference between these two types of protection. Understanding what you’re purchasing is one of the best things you can do for the life of your RV or any other type vehicle you may drive. Below, we will discuss these difference, giving you the opportunity to decide which one is best suited for your needs. RV Warranties The first thing to remember about an RV warranty is it comes from the manufacturer. These warranties often cover powertrain issues for a certain length of time or up to a certain amount of mileage. Warranties are great when it comes to what may happen in the first few years of owning your vehicle. It ensures you’re covered when it comes to things like factory malfunctions, recalls and other issues that may arise. Extended warranties are even offered to further extend the protection they offer. Extended Maintenance Plans Extended maintenance plans are different than having an RV warranty. These plans are paid for on the go, meaning payment plans are offered. They also cover quite a bit more than a warranty. These plans cover several types of breakdowns and repair issues. For those who drive a lot and find themselves on the open road, this type of repair plan is a great tool to have. No matter where you are, finding a service station that’s covered by your plan is easy and you’ll find yourself back on the road in no time. For more information on the differences between an RV warranty and an extended maintenance plan, visit Good Sam Auto & RV on their website or call 1-888-787-7683. 1 person likes this post. Like...
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