Category Archives: Auto Insurance

Answers to Common Questions About ADA Compliance

Category : Auto Insurance

Individuals with disabilities are protected by the provisions of the Americans with Disabilities Act. However, many business owners are unsure precisely what is required to comply with its requirements. Being fully ADA compliant is easier when you understand exactly what the act requires. Here are answers to a few common questions about the ADA.

Who Must Follow the ADA?

These are designed to help individuals interact with businesses. Therefore, transportation providers, government offices, accommodations, publicly accessible areas, and private companies with 15 or more employees must follow the provisions outlined in the ADA.

What Are Reasonable Accommodations?

The ADA does not require reworking your entire business model. However, it does ask for reasonable accommodation. That means you should make minor alterations to procedures to accommodate individuals with disabilities. You must have written policies in place detailing your efforts, allow service animals and mobility devices, and adjust communication methods as needed. 

Does My Website Need To Be Accessible?

Many people think of the internet as the pinnacle of accessibility. However, for individuals with certain disabilities, some websites can be difficult to navigate. That is increasingly problematic as businesses and governments put more information and service access points online. Investing in ADA-compliant websites helps remove barriers.

The ADA makes it easier for individuals with disabilities to interact with businesses. Learning how to achieve compliance is an essential step for any company.

The Essential Coverage All Truckers Should Maintain in Case of Physical Damages

Category : Auto Insurance

If you’re a trucker or the owner of a trucking business, there are several key reasons why you need to maintain physical damage coverage at all times. This critical insurance can help provide an important safety net in the event of accidents and more. Take a look at the key trucking insurance you may require.

Keep a General Policy in Place in Case of Accidents and More

Having a general policy in place is one of the top ways you can prevent serious legal and financial damages in the event of trucking accidents and more. A general liability policy could provide trucking companies key protections in case of:

  • Auto accidents
  • Vandalism
  • Natural disasters
  • Other sources of property damage

Maintain More Expansive Insurance Protections To Cover All Your Bases

If you want to ensure you have enough insurance coverage for all eventualities, you can cover your bases with more expansive protections. For example, you might consider getting:

  • Trucking crime insurance
  • Physical damage insurance
  • Truck liability insurance
  • Workers’ compensation insurance
  • Commercial equipment insurance
  • Motor truck cargo insurance
  • Trucking pollution insurance

For any trucking professional or business owner, having appropriate physical damage coverage and other key types of trucking-specific insurance is indispensable in the event of an accident, crime, injuries and more. To make sure you’re protected in the event of physical damages, make sure you keep adequate trucking coverage in place at all times.

A Short Guide To Commercial Fleet Insurance

Category : Auto Insurance

Many businesses utilize vehicles in order to better provide their services to customers. In some cases, businesses have an entire fleet of vehicles at their disposal. If this is your business, you may want to consider obtaining commercial fleet insurance to make sure you are covered in case anything unexpectedly goes wrong.

What Is Commercial Fleet Insurance?

Commercial fleet insurance is a type of insurance coverage that is designed to protect a whole fleet of vehicles from common risks. It can pay for things like repair bills, medical bills, and even replacement vehicles.  

Fleet insurance is a great way to insure your business vehicles because it allows you to insure multiple vehicles under one policy, saving you both time and money when compared to the long and expensive process of insuring each business vehicle individually.

How Much Does Commercial Fleet Insurance Cost?

Unfortunately, there is no one set price for commercial fleet insurance. Every business typically pays a unique amount that is determined by a few factors.  Some of these factors are:

  • Your location
  • Your claim history
  • The size of your fleet

Utilizing vehicles can help your business run better. However, this does open you up to a certain amount of risk. Commercial fleet insurance can help keep everything running smoothly.

A Short Guide To Taxi Cab Insurance

Category : Auto Insurance

If you run a taxi business, chances are that you want to do everything you can to ensure the safety of yourself, your customers, and your business. Unfortunately, while you may go above and beyond to prevent any incidents, things can and do still happen. From falling victim to a crime to getting involved in a car crash, there are many things that can go wrong and cost you a lot of money. This makes taxi cab insurance a must-have for all taxi businesses.

What Is Taxi Cab Insurance?

Taxi cab insurance is a type of insurance coverage that is designed to protect taxi businesses and taxi drivers from a variety of common risks. It can cover things like medical bills, property repair or replacement costs, and settlements/judgments.

What Types Of Taxi Businesses Can Benefit From Taxi Cab Insurance?

There are many different types of taxi-related businesses that can benefit from taxi cab insurance.  Some of these are:

  • Single taxis
  • Taxi fleets
  • Limousines
  • Black cars
  • Shuttle businesses

How Much Does Taxi Cab Insurance Cost?

The price of taxi cab insurance can vary widely depending on a few factors. Some of the things that can affect the price you will pay for taxi cab insurance are:

  • Your location
  • Your claim history
  • The size of your business

Running a taxi business can be risky. Taxi cab insurance can offer you greater peace of mind so you can focus on growing your business.

3 of the Best Eco-Friendly Classic Cars

Category : Auto Insurance

The reliable combustion engine is at the heart of the classic vehicle experience – but it doesn’t have to be that way anymore.

This is because a new breed of vintage machines is emerging: eco-friendly classics that run on batteries rather than gasoline and use electric motors instead of engines. Here a few best classic cars for the environment.

Jaguar E-type Zero

Each version of this reinvented icon will be restored and converted at the British firm’s Classic Works in Coventry, where it will get a 40kWh battery and electric motor, which will give it a range of roughly 170 miles and acceleration that is faster than the original Series 1.

Swind E Classic Mini

The Swind E Classic Mini is powered by an 80kw (110bhp) motor that can go 125 miles and reach 80mph when combined with a 24kWh battery. The 9.2 second 0-60 time of the upgraded pocket rocket is a lot faster than the original.

Electric GT Ferrari 308GTS

There is now a silent electric powertrain where there was formerly a snarling V8 that shot 250bhp through the vent-heavy Italian stallion’s rear wheels. One capable of delivering 330bhp. And it goes from 0 to 60 in under five seconds. That’s a far cry from a Nissan Leaf.

When searching for the best classic cars for the environment, one needs to look no further than the above vehicles. 

Auto Insurance

3 Ways To Know You’re Getting the Best Deal on Auto Insurance

Auto insurance rates can vary greatly, and that makes many people unsure of whether they’re getting the best deal with their current carrier. If you’ve considered shopping around for a better deal on your auto insurance policy, consider these three criteria when you comparison shop.

Drivers Included

There are many factors that impact rates, but none so severely as a youthful driver. If you have a teenager or young adult on your policy, you may be paying higher rates for to cover driver. It doesn’t mean you shouldn’t check out rates with another insurance agency, but understand that coverage will be more expensive for younger drivers no matter what company you choose.

Vehicles Covered

If you have any vehicles on your policy that carry full coverage, you’ll be paying more than someone who has liability only. Also, lower deductibles can raise premium considerably. Before you jump at the company with the lower rates, make sure what you’re being offered is comparable.

Credit Score

Many customers are unaware that their credit score can impact their insurance premiums. Although the two seem completely unrelated, insurance companies often use it as a metric for rating a customer based on responsible behavior. If you have bankruptcies or carry high balances on your loans and credit cards, you may end up paying more in premium no matter which company you choose.

Shopping around for the best price is smart idea, but you should know why you’re paying those rates before switching to a bargain policy.

Accident Sliding on Ice

What Happens If You Have an Accident Sliding on Ice?

Driving in winter weather brings a unique set of challenges no matter how cautious you are. Road conditions can change quickly and cause you to lose control of your vehicle. One of the ways this can happen is by sliding on ice. This can be a helpless feeling especially if it causes an accident. You may have questions such as whose fault is it or is there “sliding insurance”?

First of all, the fault will definitely lie with you no matter how safe you were being. There is no special insurance for sliding on ice but you need to make sure your insurance policy has coverage for all the things that can happen.

Damage to Your Car

This is covered by the collision portion of a policy. It would cover you the same way whether you slid on ice or not.

Damage to Something Else

Property damage liability is typically required by states and covers damage to other cars and objects. Be careful though, as the bare minimum coverage you can select may not be enough for all accidents.

Injury to Yourself

Medical payments and PIP will alleviate some costs in this case. Again, coverage levels can vary based on your policy and other factors.

Injury to Others

Bodily injury liability will protect you up to the limits on your policy. This provides coverage whether you harm someone in another vehicle or a pedestrian.

marketing plan

3 Goals Your Marketing Plan Should Meet

Whether you own a small business or a multinational corporation, you have to have a solid marketing plan. Your marketing performance management strategy must have three key goals to be effective.

1. Set Clear Goals

Your marketing can’t work if you don’t know what you want it to do. Set a specific desired outcome. For example, should your marketing strategy result in new customers? If so, how many? Set a clear goal and build a marketing plan that can achieve it.

2. Measure Effectiveness

Don’t just assume that a well-planned strategy will work. Good marketing performance management ensures that the strategies you are using are actually achieving the results you want. You need a way to measure all marketing avenues:

  • Word of mouth
  • Digital marketing
  • Brand management
  • Paid advertising

Even low-cost marketing plans take time and effort to enact. Make sure your resources aren’t being wasted.

3. Tweak Your Plan

If your marketing performance management tests reveal that what you are doing is not accomplishing the result you want, change your strategy. This requires well-informed contingency plans. Change what you are doing to get the outcome you want.

The marketing efforts you make should ultimately serve to improve your business and help you reach your goals for growth. Having a solid plan and a way to measure and adapt it is vital.


Selecting an Appropriate Insurance Marketing Agency

Understanding the unique insurance needs of your business can be a challenge. In order for your company to stay protected in the face of an array of obstacles and unforeseen disasters, you absolutely need to take time to research your options with insurance coverage. The right agency will be able to take a look at your long-term business goals and assess what your needs are based around the highest risks. By using some of your marketing budget to cover the costs, you can easily work this expense into your routine.

Review and Define Your Goals

As reported by experts at insurance marketing agencies, it is crucial to define your short-term goals before looking into coverage options. Your marketing goals will dictate many of the specifics surrounding the needs of your company and its various promotional campaigns. You may also want to review previous marketing endeavors and projects to get a general idea of what risks your company might pose and what the agency needs to know in advance. These can include:

  • Compiling online customer and client reviews
  • Define and track your active channels
  • Extract valuable data from social media

Take Time To Research

In order for you to select the right insurance marketing agency for your needs, you must take the time to prepare in advance. Review what you need to have in order and get ready to take the next big step toward protecting your company.