Rental car coverage is an add-on, check your policy to see if you are covered - if there was another vehicle involved in the accident and the driver was At Fault, his or her insurance should pick up the tab.
Saga car insurance like any other car insurance company provides insurance based on the customers needs. Saga car insurance has the ability to customize client quotes to better serve said client and therefore will be good coverage for said client.
Insurance will pay to repair, replace, or pay the actual cash value of the vehicle at the option of the insurance company. On a new vehicle that is financed I always recommend that the client purchase GAP coverage. GAP coverage pays the difference in the actual cash value of the vehicle and the balance of the loan or lease payoff. This is a good idea especially in the first year or so after the vehicle is purchased. The first year a new vehicle depreciates so much that the GAP coverage can really help out. The cost of GAP insurance from you insurance company is much less than purchasing it from the dealer.
If your client has his or her employees deliver food, whether in a company-owned vehicle or in the employee's personal vehicle, they have an Owned, Hired & Non-Owned coverage exposure. This coverage should be considered a "must have" for your client's protection. SISI offers a competitive program designed to provide Owned, Hired & Non-Owned auto coverage for the hard-to-place risks that the standard markets exclude. We can provide coverage on any type of fast food or other restaurant delivery, as long as there are no time guarantees.
Yes, If your client has a claim against you for damages resulting from your professional advice or services, Your professional Liability insurance will provide coverage for the insured's defense cost as well as coverage for the client if you are determined to be liable.
If some company or information provider such as a credit bureau has inaccurate information on you, you would need to contact that company to have that erroneous information corrected. Otherwise you will likely have more insurance companies deny you coverage based on the same erroneous information. The insurance company is not responsible for inaccurate information maintained by a totally separate business entity such as a credit bureau.
An Insurance Underwriter is a person who determines the risk in insuring a client, evaluate insurance applciation and determine the coverage amount and premiums.
RAC is a United Kingdom based home insurance company. According to their official website, RAC covers replacement locks, legal coverage up to 50,000 Great Britain pounds, and you can contact an agent to see which coverage you want because many plans are specially tailored to a client's needs.
An insurance agency represents the insurance company. This is the decision of the client, not the agency or the company. This has no bearing on the fault of the accident...unless they have not inspected the vehcile yet...when in most cases the vehicle is stored at a facility.
An Insurance Broker has a duty of care to the client to secure the best deal on the market by 'broking' the insurance requirement out to all insurance companies who will accept the risk. An Agent of an Insurance Company works only for the Insurance Company concerned and thus the client will get a quote from only the insurance company the Agent represents .
If the other party has insurance then their "property damage" coverage should cover damage to your vehicle. If you happen to be at fault or there is some question as to who is at fault then it might be hard to collect from their insurance company. Only if the other party is at fault. If you have collision insurance, you can file the claim with your own agent. Then you will be paid for your damages, less your deductible, and when your company collects from the other company you will also get your deductible. If you do not have collision, you will have to file your claim directly with the at-fault driver's insurance. If the company denies your claim (and unless there is very compelling evidence that their client was at fault, they will), you will have to sue the driver. Then, IF YOU WIN the lawsuit, their insurance will pay.
Company A holds your primary insurance coverage and A is involved in a claim situation with B--whether an individual or company. Company A can pay for the claim or its responsible portion of the claim and subrogate in suit against Part B so that the claim can be settled and ended for Client A.
The client submitted erroneous information on the insurance form, and therefore, was denied coverage.