When Do You Need Commercial Automobile Insurance?

The most logical answer would be when you own a business. However you should be aware that if you use your car to make any type of delivery, (including pizza delivery) or if you are social worker and your employer requires you to transport patients you may also need commercial automobile insurance.

What If I Am a Contractor? Do I Need Commercial Automobile Insurance in Cincinnati?

It really depends on a number of different factors. The first factor might be whether or not you allow employees to drive your owned vehicles in the business? If so you should be aware that there is a specific exclusion in the personal automobile insurance policy with insurance companies that excludes any type of business activity while using a personal vehicle.

The second factor is in reference to the terms and conditions of your personal automobile insurance policy. If the company taking care of your automobile insurance in Cincinnati does not allow any type of business activity, and an accident occurs while you are engaged in any type of “business or trade” you could receive a claim denial and need to pay the claim entirely out-of-pocket.

Some insurance companies may allow a business use endorsement. This endorsement will add a surcharge on the automobile policy, but gives you the right to use your vehicle in your business or trade as long as it doesn’t involve allowing employees or contractors of your business to operate your vehicle. (You need to read your insurance policy or contact your insurance agent to learn whether this is acceptable.)

A third factor has to do with how the vehicle is titled, registered, or whether or not there are any advertisements displayed on the vehicle. If your vehicle is registered or titled in your business, or you have advertisements displayed on your vehicle or trailer, the personal automobile insurance policy would be unacceptable even with the business use endorsement and could possibly generate a claim denial by your insurance company if that vehicle were involved in an accident while engaged in business or trade. In this instance is would be appropriate for you to purchase commercial car insurance in Cincinnati.

Not sure whether or not you need commercial car insurance in Cincinnati? Give us a call at 513-662-7000 so we can help you to understand whether or not you need this type of automobile insurance.

(If you are looking for Progressive Insurance in Cincinnati call 513-662-7000, or click here to receive car insurance quotes from Progressive Insurance in Cincinnati.)

Is this Truth, Fiction or Somewhere in Between?

It is true, but there’s something that they are not telling you in these catchy advertisements.

The spokeswoman named Flo states confidently that we are the only company who lets you name your own price. 

What she doesn’t tell you in the television advertisement is that you could name your own price with any insurance company!

How could you name your own price with any insurance company selling car insurance in Cincinnati?  Simply tell the company or agent how much you want to spend!  It’s as simple as that! 

When you obtain Progressive car insurance quotes in Cincinnati using Progressives website, you can use a slide bar that you move to the left to reduce your price.  At the same time your coverage is reduced and your deductibles are increased.

Do you recall the Allstate Insurance Mayhem commercials we discussed in our last article?  Allstate Insurance in Cincinnati is running a very clever advertisement campaign that directly slams on Progressives name your own price marketing gimmick.

Dean Winters is the random windstorm and after he plummets to the ground smashing a car flat he states: 

“If you named your own price on car insurance you could be picking up this tab yourself!” 

In our next article will discuss an example of how you could get burned financially when you name your own price on insurance in Cincinnati.

Insurance without the Disclaimers, Fine Print or Catches™

Contact our Independent Insurance Agency in Cincinnati

513-662-7000 or write Jack@pathwayinsurance.net

Click here for online insurance quotes in all 50 states.

We directly offer the following insurance policies from Pathway Insurance

Auto insurance in Cincinnati, Homeowners insurance in Cincinnati, Business insurance in Cincinnati, Health insurance in Cincinnati, Commercial auto insurance in Cincinnati, Life insurance in Cincinnati.

Copyright 2010 Jack F Thomas & Pathway Insurance Services, Inc. All rights reserved. Reproduction or translation of any part of this information without permission of Jack F Thomas or Pathway Insurance Services, Inc. is unlawful.