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Blanket coverage in a commercial auto policy refers to a provision that extends coverage to multiple vehicles under a single limit of liability. Instead of assigning a specific limit to each vehicle, blanket coverage allows for a cumulative limit that can apply to any vehicle listed in the policy. This flexibility can be beneficial for businesses with varying vehicle needs and helps ensure that all vehicles are adequately protected without the need for separate limits for each one.
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Components to liability coverage under an auto policy?
Liability Coverage under an auto policy has what components: Medical payments Collision Comprehensive None of these Liability Coverage under an auto policy has what components: Medical payments Collision Comprehensive None of these Liability Coverage under an auto policy has what components: Liability Coverage under an auto policy has what components:
Does Foreign Commercial General Liability include Foreign Business Auto Liability?
It can be, but it just depends on the extent of coverage you purchase. Commercial Auto is not automatically included with Commercial General Liability. If you purchase the Commercial Auto coverage along with the Commercial Liability then you will have the coverage. If you purchase only the commercial General Liability then you won't have coverage for commercial auto.
How do you carry a million dollar limit on your commercial vehicles?
You need to purchase a commercial auto insurance policy with a million dollar limits for bodily injury and property damage. A $1,000,000 limit is standard for commercial auto and shouldn't be too costly. Your insurance broker can help you get this policy. If you need additional coverage above the limits offered by your auto insurer you can obtain an umbrella policy that will extend the limits of all underlying coverage.
Why are you advertising AIG insurance company as THE provider of non-owner auto liability insurance when the do NOT sell such coverage?
AIG, like most other companies, will only sell this coverage in conjunction with either a general liablity policy or a commercial auto policy. It is not available as a stand-alone coverage.
Is towing coverage provided on my auto insurance policy?
Some auto insurance policies do provide towing coverage. It is listed in your policy whether the coverage is provided or not.
What liability coverage is extended to you when you use your car for deliveries while working for your employer?
None, If you have a personal Auto Insurance Policy, " No coverage at all" will extend to you nor to any other injured party while you were engaged in a Delivery Service Business. A Personal Auto Insurance Policy is for the Personal use of your vehicle. Should you have an accident while engaged in a commercial enterprise, your personal Auto Policy will not cover the accident. While engaged in a Delivery Service Business with only a Personal Auto Insurance Policy in place, you are basically driving without coverage. Although a Business Auto Use Endorsement to your Personal Auto Policy will extend coverage for certain Business or job related errands such as occasionally picking up offices supplies and trips to meet with customers, Delivery services are always excluded from a personal Auto Policy. You need to obtain Business or commercial auto coverage to be compliant with your state Insurance Regulations.
Does drive other car coverage offer personal liability to driver of company vehicle?
No. Your personal auto Insurance Policy provides NO coverage for Company owned or commercial vehicles.
What type of insurance is required to drive for uber car service?
You will need to have a commercial auto policy. If you read your personal auto policy it specifically excludes any driving whereby you receive pay for the service. If you receive payment for driving someone you automatically void your coverage under a personal auto policy. This make you a commercial risk, plain and simple.
Does a company owned vehicle have to have commercial insurance?
It might. You should check with your personal auto insurance first. For some business use they will extend the coverage. If they tell you that it will not be covered under your personal policy then you need a commercial policy.
Are employees included as insureds oncommercial auto policy?
Yes, employees are typically included as insureds on a commercial auto policy when they are driving a vehicle owned or leased by the business for work-related purposes. This coverage extends to employees when they are using the vehicle in the scope of their employment. However, it’s important to review the specific terms of the policy, as coverage can vary by insurer and policy type. Always consult with an insurance professional for clarity on specific coverage details.
How much uninsured motorist coverage do I need on my auto insurance policy in the state of Georgia?
You need at least $2000 uninsured motorist coverage for you auto insurance policy in the state of Georgia
What does endorsement commercial Auto 9948 cover?
Endorsement Commercial Auto 9948, also known as "Additional Insured – State or Political Subdivision," extends coverage to certain state or local governmental entities when they are engaged in activities that require the insured to add them as additional insureds. This endorsement ensures that these entities have protection under the commercial auto policy for liabilities arising from the insured's operations. It is particularly useful for businesses that contract with government agencies or municipalities, as it helps meet contractual obligations for insurance coverage. Always review the specific policy language to understand the details and limitations of the coverage.
