Hey! I Need A Ride!

White Car Cornering In Mountain Road With Speed Blur

White car cornering in mountain road with speed blur

An Auto Insurance Update

Being a rideshare driver is a great way to make extra income. With the growth of Uber and Lyft, many people are using their own vehicles assuming their personal auto insurance will provide coverage.

Unfortunately, your personal auto insurance will not cover any use for commercial purposes. There is an exclusion for any commercial use of your vehicle. There is a specific exclusion for “public or Livery conveyance” that is part of your policy.  This makes it very clear that the liability coverage for your vehicle doesn’t apply when it is being used as a public conveyance.

In addition, your personal auto insurance excludes Medical Payments, and Physical Damage Coverage for your vehicle is used for commercial purposes. With a few exceptions, your personal automobile policy doesn’t cover you or your automobile when you are using it for this purpose.

What Are Your Options?

  • Another option is to purchase a commercial automobile policy that is designed to cover the exposures that go along with operating a public conveyance.
  • Consider the coverage offered by the rideshare company you are working for

Call, our office and we, can work hard to provide you with the best possible combination of coverage, price, and service.

If you use your vehicle for delivery or landscaping you might need to consider a commercial auto policy, especially if the vehicle is used 100% for business use.

We are ready to help you with all your auto, home, RV, and motorcycle needs. Call us today. We can combine your insurance under one program and save you hundreds of dollars.

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Honey What Are Those Red Lights?

car-1531273_640Getting pulled over by a police officer can be a stressful and uncomfortable experience, especially if you have never been pulled over before. The primary reason for being pulled over is for your safety and the safety of others. Do not panic, the police are here to help and protect us.

Auto Insurance

It will be important to have your auto insurance ID card and vehicle registration handy. Not having auto insurance can be a serious issue.

There are a few things you can do to help the process go smoothly for you, the officer, and your passengers:

  1. If you see police vehicle lights in your mirror, slow down and pull over to the side of the road as soon as possible. Make sure you are far enough off the road for the officer to safely walk next to your car.
  2. Stay calm. Turn off your engine and radio. Keep your seat belt fastened and have your driver’s license and insurance information out and ready. Stay off your cell phone!
  3. At night, turn on your inside light to allow the officer to view the inside of your vehicle; doing this allows the officer to be assured that there is no danger to him or her.
  4. Do not argue with the officer.
  5. Do not get out of the car, unless requested to do so by the officer.
  6. If you have any passengers in your vehicle, request that they remain silent at all times with their hands in plain sight.
  7. Don’t make any admissions; if the officer asks if you know why you were pulled over say no. Another question they may use to trap you is by asking, “Do you know how fast you were going?” A simple reply is best such as; “I am always a safe driver and believe that I was going with the flow of traffic.”
  8. What if the officer wants to search your vehicle? The United States Constitution protects all individuals from unreasonable search and seizure. The exceptions to this are if you agree to a search, or if the officer believes there is illegal activity going on.

At North Bay Insurance Brokers we combine premium auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance.

 

 

 

 

Sharing Is Good… But At What Cost?

Handful of Paper Money

Handful of Paper Money

Sharing May Increase Your Personal Liability Risk

We live in a digital world that now allows us to share everything from our car, bike, boat, apartment and even our home with total strangers. Smart phones, and the applications that can be added, offer many useful tools, but some of these things create new and increased liability for you. Before you decide to jump into the sharing economy consider the following:

  • Do these sharing sites have the ability to protect your confidential information? Many times you are giving your credit card information to companies that may not have the ability to protect it.
  • If you use Airbnb to sublease your apartment, you might check your lease. Many lease agreements have “no sublease” clauses that do not allow for this kind of activity. Also, some big cities are now actually considering outlawing the Airbnb services as it reduces hotel/motel taxes.
  • Taxi services where individuals can offer rides to those who subscribe. Are you confident that these individuals have had proper background checks? Are they experienced drivers? Do they have the correct insurance? Remember, even in states that have mandatory auto insurance laws, over 25% of drivers don’t have insurance.
  • Personal auto insurance issues should be considered if using your car for hire. There is a big difference in the auto insurance world between a car pool for work and being paid to deliver people.
  • If you rent your primary home to others, it may limit your personal insurance coverage. Call out office for a review.

The use of the new sharing economy will most likely continue and may be a good way to make money. However, if you have an uninsured claim, the cost may be much greater.  Be aware that using these services may increase your risk of loss.

North Bay Insurance Brokers. is your trusted solution for homeowner’s insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

I Drive My Car For Company Business… Now What?

White Car Cornering In Mountain Road With Speed Blur

White car cornering in mountain road with speed blur

There are many situations and reasons why employees drive his or her personal auto to perform business related tasks including: travel between work sites, client visits, and transportation of colleagues.  It is important to consider the risk you assume when you drive your car on company business.

There are two different kinds of risks and we will address each. The first risk is what we might call incidental use. The second risk is when a person drives his/her own car every day as part of their job, like a salesperson. This person’s job description actually includes using their own car as part of the day to day job functions.

Situation One – Incidental Use

Generally, in these situations, you would be covered under your personal auto policy. If you find you are driving more than 30-40% of the time on company business, it would be best to contact our office for a review of your coverage. Examples of incidental use would be:

  • Going to a company event
  • Taking the mail to the post office
  • Picking up supplies at the store
  • Going to see a client – occasionally

Situation Two – Drive as Part of the Job

Many personal auto policies have drive-for-business exclusions, requiring individuals to inform their agents that they drive for work and to acquire an endorsement. Without the endorsement, insurers may refuse to cover a claim. Here are some examples of work related situations where you might need to make adjustments to your auto insurance:

  • Outside sales professionals
  • Real-estate agents
  • Driving more than 50% of the time for the company
  • You receive an auto allowance
  • You take a tax deduction for work related driving

If you use your vehicle for delivery or landscaping you might need to consider a commercial auto policy, especially if the vehicle is used 100% for business use.

We are ready to help you with all your auto, home, RV, and motorcycle needs. Call us today. We can combine your insurance under one program and save you hundreds of dollars.

I Have An Old Car Is There Old Car Insurance?

ford-498244_1920A North Bay Auto Insurance Update

Purchasing a cheap, used car is a great idea for individuals who are on a budget and looking to save money. However, it is still mandatory that, in order to drive the vehicle on public roads, the vehicle needs to be insured by an auto insurance company. Some individuals may choose still to not insure their vehicles, even though the state laws mandate that they have current auto insurance coverage on their vehicle(s) in operation. These people may be subject to heavy fines and penalties for operating their vehicles without insurance coverage in the event that they are caught without auto insurance.

Vehicles can be insured against theft, fire, accident damage and third party use. Individuals do not need to insure their cars against all different types of damages or accidents. In general, individuals can choose between having comprehensive or liability insurance coverage. Deciding between which insurance coverage would be best for you as an individual can be more easily begun by first determining which type of auto insurance is affordable to you. Once you determine the insurance you need to have, you can begin to explore whether or not any additional coverage would be beneficial in your life.

Liability coverage covers damage caused to other people. This can include not just their property, but their body as well. Medical liability helps to ensure that the cost of a person’s medical costs and/or their death will be met. Comprehensive coverage extends to your own vehicle and the property of other people. Collision coverage ensures that your car and other vehicles involved in the collision are covered in the event that they are damaged and you are found to be the cause. Underinsured motorist property damage pays for the costs in the event that the liability insurance coverage had by the negligent driver is not enough.

Regardless of the type of insurance that an individual’s chooses to have, the laws do require drivers to insure their vehicles prior to taking them out on the road. Individuals who do not insure their vehicles, or who allow their insurance to lapse, can bring problems down upon themselves if they are ever caught in a situation where they need to, but cannot, provide proof of insurance.

We are here to help you with your California auto insurance needs. We have access to many insurance products and can provide you with competitive premiums. We offer auto liability, auto collision and auto comprehensive coverage.

At North Bay Insurance Brokers we combine premium auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance.

 

How Our Beliefs Impact Our Insurance Buying Decisions

8883568_xxlA Personal Insurance Update

All of us have certain beliefs pertaining to homeowner’s insurance, auto insurance and other personal insurance products.  These beliefs can often cause us to make uneducated, or even poor, decisions regarding our personal insurance.  This was recently confirmed in a study completed by the Insurance Information Institute (I.I.I.) Research publication, “Homeowner’s Insurance: Understanding, Attitudes, and Shopping Practices.”

How Insurance Beliefs Shape Actions

  • Some people think that the internet is the best way to obtain some personal insurance products. When, in fact, the best way to get the right combination of price, coverage, and services is to use an independent agent.
  • Most homeowners believe that sewer back up from outside their home is covered on their homeowner’s policy. However, generally sewage backups are not covered without a rider or separate policy.
  • Your agent can be the best way to educate yourself on your insurance. People should utilize their agent to help them understand how their risks are changing, and how insurance can be designed to meet their individual needs.
  • Less than fifty percent of people use their agent to comparison shop. Your agent has many markets and will comparison-shop for you annually.
  • Many people mistakenly believe that earthquake, flood, and hurricane damage is covered under a standard homeowner’s insurance policy. These are not.  Separate policies need to be purchased.
  • There are many people who think that replacement cost coverage will provide complete replacement if their home is a destroyed in a covered loss. This is not the case, the policy will only provide replacement up to the policy limit. We recommend that together we review your replacement cost valuation annually.

North Bay Insurance Brokers, Inc. is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

 

Does An Agent Really Make A Difference?

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Personal And Business Insurance

The modern day customer is looking for value, ease of services, and quick responses.  In an era of impersonal internet companies, slick advertising, and “branding,” it can be hard for consumers to determine where to find the best insurance program for their needs.  To provide the best possible combination of coverage, services, and pricing, you need to look no further than your local independent agent.

Our Approach To Insurance Is Different

The best way to get the insurance that is right for you is to develop a relationship with your insurance agent.  The good news is that this process is not complicated or time consuming.

  • We respond quickly.
  • Insurance protects what is important to you, and we understand that.
  • We gain an understanding of your individual needs.
  • We educate rather than sell.
  • Finding the right insurance coverage is an important purchase, because everyone’s needs are unique.
  • Our professional team is trained and licensed.
  • Insurance is too important to be ordered online like a book.
  • Don’t wait for an un-insured claim to happen before you look for the right agent and coverage.

Every industry has specific needs when it comes to insurance. Industry-specific risks make it impossible for insurance companies to lump together one insurance plan for every business. At North Bay Insurance Brokers, we understand that being unique is what makes your business successful across the board. That’s why we provide industry-specific insurance options for businesses of all types.