If you're a business owner, you've probably got your business covered with insurance. However, did you realize that you need the same kinds of insurance coverage for the car or truck you use in your business as you do for a car that you would use for personal travel? These types of commercial auto insurance range from liability, collision and comprehensive, medical payments and coverage for uninsured motorists.
The majority of business owners use their personal vehicles for business and pleasure. Don't forget that if the vehicle is owned by the business then the business name needs to appear on the policy rather than your name. Doing this will avoid confusion and mistakes incase you need to file a claim, or a claim is filed against you.
Whether you need a NJ commercial auto insurance policy depends on what kind of driving you will be doing. A good trustworthy insurance agency will ask you lots knowledgeable questions such as:
- Is the vehicle owned by the business?
- Who will be driving the vehicles?
- How will the vehicles be used?
- Are the vehicles also used for personal use?
Safety Risks While Driving
You are more likely to have an accident if you are speeding, driving while tired, driving aggressively or not paying attention. If you take your eyes off the road for only a couple of seconds, the odds of a crash are almost double compared to a driver paying full attention on their surroundings on the road.
The people driving the cars in your business are not only your employees and represent your company, they should also be responsible drivers. Be sure to choose carefully when selecting drivers.
No comments:
Post a Comment