DAStransport - Filling the Gaps In your client s commercial transportation insurance portfolio
|
|
|
- Archibald Bradford
- 8 years ago
- Views:
Transcription
1 DAStransport - Filling the Gaps In your client s commercial transportation insurance portfolio This presentation is for training purposes only. For full details of coverage, including any conditions and limitations, please read the DAStransport policy wording. A member of the DAS Group
2 Session Objective We will review: 1. The gaps that exist in your client s traditional commercial transportation insurance portfolio 2. How a DAStransport policy fills those gaps 3. DAStransport in action: Claims examples 4. The value of Legal Expense Insurance 2
3 When You Consider. +40 Billion Kilometers was the total distance covered in 2012 by Canadian truck drivers, the odds of an insurable event happening are quiet high! Source: 2012 StatsCan Trucking Commodity Origin & Destination Survey CANSIM Table
4 Building A Commercial Transport Portfolio Crime Insurance Non-Owned Auto Motor Truck Cargo Physical Damage Commercial Auto Liability 4
5 However There Are Gaps In That Portfolio! DAStransport can help complete a commercial portfolio by: Covering defence & plaintiff legal expenses for risks not covered by traditional & basic commercial transportation policies Giving fleet operators, independent truckers & business owners access to general legal advice at any time 5
6 Building A Commercial Transport Portfolio DAStransport Legal Expense Insurance Crime Insurance Non-Owned Auto Motor Truck Cargo Physical Damage Commercial Auto Liability 6
7 Protecting The Business How will a commercial transportation insurance portfolio protect your client when they have to: Commercial Auto Liability Defend the business when a driver: Causes bodily injury or death to a 3 rd party Causes property damage to a 3 rd party Non-Owned Auto Defend the business when a contracted driver: Causes bodily injury or death to a 3 rd party Causes property damage to a 3 rd party 7
8 Protecting The Business: continued How will a commercial transportation insurance portfolio protect your client when they have to: Crime Insurance Physical Damage Motor Truck Cargo Commercial Auto Liability Defend against a business-related: Write-off of a tractor and trailer Write-off of cargo inside a trailer Vandalism and robbery Delivery penalties due to a truck breaking down Criminal investigations or charges 8
9 Claims Scenario: Furniture-On-The-Go The Scenario: Mary, owner of a small furniture rental company, owns a large truck. She occasionally shares it with her husband Paul, who uses the truck for his welding company On one delivery, Mary receives a ticket from the Ministry of Transportation for displaying the incorrect signage on the vehicle. John had used it to deliver flammable liquids, and forgot to take the warning placard down If Furniture-On-The-Go was your client, which commercial transport insurance policies would help Mary? Commercial Auto Liability Physical Damage Non-Owned Auto None of the above 9
10 Protecting The Business: Legal Defence How will a commercial transportation insurance portfolio protect your client when they have to: DAStransport Legal Defence Cover Pursue legal action to: Challenge a speeding ticket Crime Insurance No Coverage Physical Damage Motor Truck Cargo Non-Owned Auto Commercial Auto Liability 10
11 Claim Scenario: Big Trucks Co. The Scenario: John owns a medium-sized trucking company. Juan, one of his drivers, gets pulled over on the highway for a random inspection and weight check while driving one of the company s trucks Upon inspection, Juan gets fined for having an overweight load, violating the Canada Motor Vehicles Safety Standards. Several demerit points were also taken off his licence If Big Truck Co. was your client, which commercial transport insurance policies would help John? Crime Motor Truck Cargo Non-Owned Auto None of the above 11
12 Protecting The Business: Legal Defence How will a commercial transportation insurance portfolio protect your client when they have to: DAStransport Legal Defence Cover Pursue legal action to: Challenge a commercial safety violation (CVOR) Crime Insurance No Coverage Physical Damage Motor Truck Cargo Non-Owned Auto Commercial Auto Liability 12
13 Claim Scenario: RideOnTime The Scenario: Ben owns a small cab company, RideOnTime. His fleet is made of 4 sedans and a mobility bus Following a facility audit, the business is assigned a conditional safety rating, as the ramp of the mobility bus is not working properly Ben gets the issue fixed right away, but the Ministry refuses to amend the conditional rating at renewal time If RideOnTime was your client, which commercial transport insurance policies would help Ben? Commercial Auto Liability Physical Damage None of the above 13
14 Protecting The Business: Statutory Licence Protection How will a commercial transportation insurance portfolio protect your client when they have to: DAStransport Stat. Licence Protection Cover Appeal a statutory business licence: Suspension, alteration or renewal decision Cancellation Crime Insurance No Coverage Physical Damage Motor Truck Cargo Non-Owned Auto Commercial Auto Liability 14
15 Claim Scenario: Elderly Care Homes The Scenario: Tom works for a small care home. The residents heavily rely on him as he drives them using the home s van to their appointments and recreational outings. On his way to work, Tom cuts a corner too close and drives into a bike path. He gets charged with Careless Driving by a policeman who was riding his bike on the path and witnessed the infraction. Tom s driver s licence is suspended, pending a hearing. If Elderly Cares Homes was your client, which commercial transport insurance policies would help Tom? Commercial Auto Liability Physical Damage Crime Insurance None of the above 15
16 Protecting The Business: Driver s Licence Protection How will a commercial transportation insurance portfolio protect your client when they have to: DAStransport Driver s Licence Cover Pursue legal action to: Appeal a driver s licence suspension Crime Insurance No Coverage Physical Damage Motor Truck Cargo Non-Owned Auto Commercial Auto Liability 16
17 Claim Scenario: Beautiful Flowers The Scenario: Susan the owner of a small flower shop takes her only vehicle in for transmission repairs Following the repairs, the transmission issue has worsened and the vehicle is left stranded on the side of the road while Susan was making a major delivery for a wedding The garage refuses to rectify the issue, claiming Susan should have been more gentle with the manual transmission right after the repairs If Beautiful Flowers was your client, which commercial transport insurance policies would help Susan? Commercial Auto Liability Physical Damage None of the above 17
18 Protecting The Business: Auto Contract Disputes How will a commercial transportation insurance portfolio protect your client when they have to: DAStransport Auto Contract Disputes Cover Pursue legal action to: Deal with a vehicle related breach of contract dispute Crime Insurance No Coverage Physical Damage Motor Truck Cargo Non-Owned Auto Commercial Auto Liability 18
19 DAS s Point Of Differentiation How will a commercial transportation insurance portfolio protect your client when they have to: DAStransport Unlimited Legal Advice Obtain general legal advice: On any legal issue, regardless of whether or not it is covered by the policy Crime Insurance No Coverage Physical Damage Motor Truck Cargo Non-Owned Auto Commercial Auto Liability 19
20 Building A Commercial Transport Portfolio DAStransport Legal Expense Insurance Crime Insurance Non-Owned Auto Motor Truck Cargo Physical Damage Commercial Auto Liability Fills the Gaps! Providing empowerment & peace of mind for your client s 20
21 The Value Proposition We empower business owners when they face unforeseen legal issues. A DAStransport policy: Protects your clients from costly legal expenses Allows your clients to defend or pursue their legal rights Gives them unlimited access to legal advice at any time 21
22 Limits Of Indemnity: Canada $100,000 Per claim $500,000 In aggregate per policy period $10,000 Reimbursement in total for any one claim within the U.S.A and/or Mexico 22
23 Pricing & Commission Premium is based on: 1. Number of vehicles 2. Type / size of vehicles 3. Short haul vs. long haul journeys 15% Discount applied to DAStransport, if your client is a DASbusiness policyholder as well! 17.5% Broker commission 23
24 In Summary Traditional commercial transportation insurance products do not provide an all risk blanket of protection These gaps arise because insurance products are meant to cover specific issues, not all risks These other risks are not uninsurable, but rather require a specific type of coverage DAStransport can help fill those gaps 24
25 Contact your DAS Broker Consultant or visit 25
THE GAPS IN YOUR CLIENT S COMMERCIAL TRANSPORTATION INSURANCE PORTFOLIO
DAStransport FILLING THE GAPS IN YOUR CLIENT S COMMERCIAL TRANSPORTATION INSURANCE PORTFOLIO IMPORTANT NOTE: This document is a discussion guide to provide a general comparison between DAStransport and
domicile, including but not limited to Personal Injury Protection (PIP) and Personal Property insurance (PPI), must be carried.
Independent Contractor Insurance Requirements Sample provided by Paul Hanson Partners Specialty Insurance Solutions This document should be reviewed with your broker and attorney and modifications for
COMMERCIAL AUTO APPLICATION
COMMERCIAL AUTO APPLICATION Dependent upon state authority, you are applying for insurance coverage provided by and underwritten by one of the following insurance companies of ARGO GROUP US: ARGONAUT-MIDWEST
PUBLIC AUTO INSURANCE APPLICATION- PENNSYLVANIA
A. GENERAL STRATFORD INSURANCE COMPANY WESTERN WORLD INSURANCE COMPANY PUBLIC AUTO INSURANCE APPLICATION- PENNSYLVANIA Applicant's Name: Phone #: Contact Person: Address: Garaging Location(s) if different:
A Consumer s Auto Insurance Guide
Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product
A Consumer s Auto Insurance Guide
Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product
Individual LLC Partnership Corporation Joint Venture Trust Principal or Majority Owner (please include all principals)
Canal Truck Insurance Application Insurance Indemnity Sections 1 through 6 must be completed for a quote indication. Sections 7 through 9 must be completed in order to bind. 1. General Information Applicant
SCHEDULE 5 INSURANCE TABLE OF CONTENTS 1. INSURANCE REQUIREMENTS... 1
SCHEDULE 5 INSURANCE TABLE OF CONTENTS 1. INSURANCE REQUIREMENTS... 1 1.1 Project Specific Construction Period Insurance... 1 1.2 Additional Construction Period Insurance... 1 1.3 Operating Period Insurance
Legal Expense Insurance FAQ for IFB Member Agents
Legal Expense Insurance FAQ What is Legal Expense Insurance (LEI)? Legal Expense Insurance (LEI) is an insurance product provided by DAS Canada that protects individuals in case of unforeseen legal events
Small Fleet Truckers (6-19 Revenue Units) Underwriting Checklist
Small Fleet Truckers (6-19 Revenue Units) Underwriting Checklist Fleet: City, State: Insured s Email Address: Expiration Date: Proposed Effective Date: Date Quote Required: Broker: Producer(s): Producer
insurance policy I m in the driver s seat!
My first car insurance policy I m in the driver s seat! Car insurance is mandatory! Mandatory Car insurance primarily covers damage you could cause to others. It s called civil liability. Do you own a
Obtaining and Maintaining Minnesota Intrastate For-Hire Operating Authority Minnesota Trucking Regulations
Section 14 Obtaining and Maintaining Minnesota Intrastate For-Hire Operating Authority Minnesota Trucking Regulations 81 Section 14 Obtaining and Maintaining Minnesota Intrastate For-Hire Operating Authority
Truck Application DESCRIPTION OF OPERATIONS. LIABILITY COVERAGE Complete for desired coverages by indicating limits of insurance.
Truck Application 1. Name (and "dba") Individual/Proprietorship Partnership Corporation Other Policy Term From: To Business Phone Number 2. Mailing Address City State Zip 3. Premises Address City State
Vehicle Registration and Insurance. Vehicle Registration and Insurance
Vehicle 7 Vehicle 165 7 Vehicle This chapter contains information on vehicle ownership and registrations. 166 Before you operate a vehicle on a highway in Nova Scotia, your vehicle must meet a number of
COMMERCIAL AUTOMOBILE APPLICATION
Home Office: One Nationwide Plaza Columbus, Ohio 43215 Administrative Office: 8877 North Gainey Center Drive Scottsdale, Arizona 85258 1-800-423-7675 Fax (480) 483-6752 A STOCK COMPANY COMMERCIAL AUTOMOBILE
NEW JERSEY AUTO STANDARD POLICY COVERAGE SELECTION FORM
IL U 051 11 10 NEW JERSEY AUTO STANDARD POLICY COVERAGE SELECTION FORM Policy Number: Policy Effective Date: Company: Producer: Applicant/Named Insured: This Coverage Selection Form is for a STANDARD POLICY,
Canal Truck Insurance Application
Insurance Indemnity Sections 1 through 6 must be completed for a quote indication. Sections 7 through 9 must be completed in order to bind. 1. General Information Applicant Legal Name Company Name (DBA)
Individual LLC Partnership Corporation Joint Venture Trust Principal or Majority Owner (please include all principals)
Insurance Indemnity Sections 1 through 6 must be completed for a quote indication. Sections 7 through 9 must be completed in order to bind. 1. General Information Applicant Legal Name Company Name (DBA)
American International Companies
American International Companies Name of Insurance Company to which Application is Made (Herein called the Company) NOTICE: THE POLICY PROVIDES THAT THE LIMIT OF LIABILITY AVAILABLE TO PAY JUDGMENTS OR
AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY
AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY This Endorsement amends the Policy as follows: I. DEFINITIONS The Definitions Section is amended as follows: A. The third paragraph is replaced
21st Century Pinnacle Insurance Company STANDARD POLICY COVERAGE SELECTION FORM
21st Century Pinnacle Insurance Company STANDARD POLICY COVERAGE SELECTION FORM Name: Quote/Policy number: This Coverage Selection Form is for a STANDARD POLICY, see Buyer's Guide, page 3. A BASIC POLICY
TITLE 18 INSURANCE DELAWARE ADMINISTRATIVE CODE
600 Automobile Insurance 1 606 Proof of Automobile Insurance 1.0 Authority This regulation is adopted under the authority of 18 Del.C. 314 and 2741; 21 Del.C. 2118(o), and adopted in cooperation with the
Automobile Insurance in Pennsylvania a supplement to the Automobile Insurance Guide
and answers about Automobile Insurance in Pennsylvania a supplement to the Automobile Insurance Guide My automobile policy was canceled because I did not pay my premium on time. Is this legal? Yes. If
IN YOUR CLIENT S COMMERCIAL INSURANCE PORTFOLIO
business FILLING THE GAPS IN YOUR CLIENT S COMMERCIAL INSURANCE PORTFOLIO IMPORTANT NOTE: This document is a discussion guide to provide a general comparison between business and commercial insurance policies.
10 Commercial Automobile
10 Commercial Automobile Learning Objectives When you finish this study, you should be able to meet the following objectives: Explain the need for forms, endorsements, and agreements in addition to the
NON OWNED & HIRED AUTO
1. Applicant Information A) Name (First named insured and other named insureds) OWNED AUTO LIABILITY B) Do you own any vehicle (in your company s name)? If yes, who is the insurer of these vehicles? C)
BUSINESS LEGAL PROTECTION INSURANCE POLICY
BUSINESS LEGAL PROTECTION INSURANCE POLICY Contents DASbusiness Legal Protection Policy for CAA...1 Making a claim...1 Agreement...2 Insured events...2 Telephone legal advice...6 Definitions...6 Limit
PHYSICAL DAMAGE Medical Combined Single. Maximum Bodily Injury Property Damage Payments Limit BI & PD
Drive-Away Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY OF THE SOUTH NATIONAL
All about. auto. insurance
All about auto insurance Legal Deposit Bibliothèque et Archives nationales du Québec, 2011 Legal Deposit Library and Archives Canada, 2011 Table of contents Buying auto insurance 4 Who is insured? 4 Who
Insurance Proposal Form for New Applicants
C/- Aon New Zealand Professional Risks Insurance Proposal Form for New Applicants P O Box 2517 Wellington 6140 Tel (04) 819 4000 Fax (04) 819 4106 E-mail: abacus@aon.co.nz Website: www.abacus.org.nz This
CTP 5037 (11/11) Page 2 of 6
COMMERCIAL AUTO APPLICATION New Business Renewal Expiring Policy # PO Box 2575 Jacksonville, Florida 32203 904-363-0900 800-874-8053 Fax 904-363-8093 1. GENERAL Applicant s Name: Mailing Address: Garaging
INSURANCE LAWS OBJECTIVES FOR CLASS WHAT IS REQUIRED?
INSURANCE LAWS Frederick P. Garcia, Jr. Municipal Court Clerk City of San Antonio OBJECTIVES FOR CLASS Identify Statutory Authority Requirements for Establishment of Financial Responsibility ; Apply Coverage
1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance
1-800-927-4357 www.insurance.ca.gov Automobile Insurance California Department of Insurance Table of Contents Page 2 Introduction to Auto Insurance 4 Auto Insurance Costs 6 Liability Coverage and California
ST. PAUL PROTECTIVE INSURANCE COMPANY Hartford, CT NEW JERSEY AUTOMOBILE INSURANCE STANDARD POLICY COVERAGE SELECTION FORM
ST. PAUL PROTECTIVE INSURANCE COMPANY Hartford, CT NEW JERSEY AUTOMOBILE INSURANCE STANDARD POLICY COVERAGE SELECTION FORM Name: Policy #: This Coverage Selection Form is for a STANDARD POLICY. See Buyer
TOP10 AUTO INSURANCE FAQ S
TOP10 AUTO INSURANCE FAQ S Lane s Insurance Chad answers the Top 10 most frequently asked Auto Insurance FAQ s A Publication By: 1 1 - Why is my premium so high? Auto insurance premium rates are based
Personnel Position Name Years % of Ownership President Operations Manager Safety Director Loss Control Contact Insurance Contact
Truck Transportation Application Agent Information Agency Producer General Information Named Insured Street Address State Phone Affiliated Companies Date Received Effective Date Requested Quote Date DBA
A Consumer s Guide to Personal Auto Insurance
Maine Bureau of Insurance 34 State House Station Augusta, ME 04333-0034 A Consumer s Guide to Personal Auto Insurance A Publication of the Maine Bureau of Insurance June 2015 Paul R. LePage Governor Eric
COMMERCIAL AUTO PROGRAM
COMMERCIAL AUTO PROGRAM Mt. Morris intent is to write Commercial package policies (Property, Liability, and Auto). There may be cases when only the auto(s) will qualify. Contact the Company to discuss
Section 60-1.1 Mandatory provisions.
11 NYCRR 60-1.1 OFFICIAL COMPILATION OF CODES, RULES AND REGULATIONS OF THE STATE OF NEW YORK TITLE 11. INSURANCE DEPARTMENT CHAPTER III. POLICY AND CERTIFICATE PROVISIONS SUBCHAPTER B. PROPERTY AND CASUALTY
A Personal Auto Policy shall be used to afford coverage to private passenger autos and motor vehicles considered as private passenger autos, if:
UNDERWRITING Definition Of Private Passenger Auto A. A private passenger auto is a motor vehicle: 1. not used as a public or livery conveyance for passengers, and 2. not rented to others, and 3. that,
Contingent Liability Application (Bobtail & Deadhead)
Contingent Liability Application (Bobtail & Deadhead) COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY
DUMP & READY MIX/CEMENT TRUCK APPLICATION
DUMP & READY MIX/CEMENT TRUCK APPLICATION Dependent upon state authority, you are applying for insurance coverage provided by and underwritten by one of the following insurance companies of ARGO GROUP
An Introduction to DASbusiness April 2015
An Introduction to DASbusiness April 2015 This presentation is for training purposes only. For full details of coverage, including any conditions and limitations, please read the DASbusiness policy wording.
COVERAGE SELECTION FORM - STANDARD POLICY
Policy Number: COVERAGE SELECTION FORM - STANDARD POLICY This Coverage Selection Form is for a STANDARD POLICY, see Buyer s Guide, page 5. A BASIC POLICY with the minimum of required coverages is also
Motorcycle Insurance. made simple
Motorcycle Insurance made simple What s inside: How to read your Allstate Motorcycle Policy Declarations Understanding motorcycle insurance: Coverages Deductibles Coverage limits What to do in case of
CHOOSING YOUR AUTOMOBILE INSURANCE POLICY. Ways to Save Money
1 CHOOSING YOUR A helpful guide when selecting automobile insurance, including local rates and common questions. Factors that Affect Premiums: Insurance companies use a variety of factors to determine
MOTOR CARRIER APPLICATION FOR TRUCKERS INSURANCE FOR NON-TRUCKING LIABILITY AND VEHICLE PHYSICAL DAMAGE COVERAGE
MOTOR CARRIER APPLICATION FOR TRUCKERS INSURANCE FOR NON-TRUCKING LIABILITY AND VEHICLE PHYSICAL DAMAGE COVERAGE Applicant: _ City, State: Proposed Effective Date: Proposed Expiration Date: Date Quote
LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance
LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up
A Consumer s Guide to: Auto Insurance. Choosing and using your auto insurance coverage. Washington State Office of the Insurance Commissioner
A Consumer s Guide to: Auto Insurance Choosing and using your auto insurance coverage Washington State Office of the Insurance Commissioner Washington State www.insurance.wa.gov Office of the Insurance
The Game of Life Purchasing Auto Insurance Updated: 2016-02-10
The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 One of the most common experiences young adults encounter can be one of the most mysterious: purchasing auto insurance. It might not seem
Using Independent Contractors: A Guide to IRS and Insurance Guidelines
Using Independent Contractors: A Guide to IRS and Insurance Guidelines Table of Contents About this guide.................................. 1 Defining an independent contractor and their............ 2
Refers to a decrease in value of an item over time.
MOTORCYCLES 1. HELPFUL DEFINITIONS You/your/yourself/yours: Vehicle: Vehicle Accessories: Standard Vehicle Accessories: Non-Standard Vehicle Accessories: Depreciation: Betterment: Total Loss: Means you
Commercial Automobile Insurance Manual
71. ELIGIBILITY This section applies to autos registered or used for the transportation of members of the public. 72. PREMIUM DEVELOPMENT OTHER THAN ZONE RATED AUTOMOBILES A. This rule applies to: 1. All
UNITED SERVICES AUTOMOBILE ASSOCIATION NEW JERSEY AUTO INSURANCE BUYER'S GUIDE
UNITED SERVICES AUTOMOBILE ASSOCIATION NEW JERSEY AUTO INSURANCE BUYER'S GUIDE New Jersey Department of Banking and Insurance 999NJ(31) Rev. 6-04 Page 1 of 10 WHAT'S INSIDE WHERE DO I START? PAGE 2 UNDERSTANDING
QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS
QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS What types of coverages are available? Generally, automobile insurance policies provide Bodily Injury and Property Damage Liability
The Great American Trucking Story
Trucking Division The Great American Trucking Story In recent years, a number of top motor carriers leaders in the trucking industry have chosen to offer Great American s insurance products to the independent
Moody Bible Institute Policy and Guidelines for Vehicle Use and Driver Operations
Moody Bible Institute Policy and Guidelines for Vehicle Use and Driver Operations It is the policy of the Moody Bible Institute that its vehicles should be operated safely and in compliance with applicable
Ontario Application for Automobile Insurance
Ontario Application for Automobile Insurance Driver's Form (O.A.F. 2) Notice to Applicant This is your Application for Automobile Insurance. Check it carefully and notify your Broker/Agent of any errors
Automobile Insurance Grade Level 9-12
Automobile Insurance Grade Level 9-12 Take Charge of Your Finances Materials provided by: Cynthia Barnes, Family and Consumer Sciences Educator, Beaverhead County High School, Dillon, Montana Time to complete:
CHOOSING YOUR AUTOMOBILE INSURANCE POLICY. Ways to Save Money
1 CHOOSING YOUR A helpful guide when selecting automobile insurance, including local rates and common questions. Factors that Affect Premiums: Insurance companies use a variety of factors to determine
NAIC Consumer Shopping Tool for Auto Insurance
NAIC Consumer Shopping Tool for Auto Insurance Need Auto Insurance? Here is What You Need to Know. Whether you are buying auto insurance for the first time, or shopping to be sure you are getting the best
3006-001_ed02E. Ontario accident benefits
3006-001_ed02E Ontario accident benefits TM Trademark used under licence from Northbridge Financial Corporation. All rights reserved. No part of this publication may be reproduced, stored in retrieval
motorcycle insurance protecting your dreams
motorcycle insurance protecting your dreams let s ride. The freedom of the open road feels even better the less you have to worry about. But protecting yourself on a cycle involves more than leather and
TABLE OF CONTENTS. Contact Information Regarding Fleet Operations...2. Driver Qualifications...3. Fleet Operations...4. Use of Personal Vehicles...
TABLE OF CONTENTS Contact Information Regarding Fleet Operations...2 Driver Qualifications...3 Fleet Operations...4 Use of Personal Vehicles...6 Commercial Motor Vehicles (CDL Drivers)...7 Driver License
Auto Service and Repair Insurance Application
Auto Service and Repair Insurance Application Section I General Information Policy Period Desired From to 1. d Insured Type of Entity: Corp Partnership Individual LLC Other 2. For inspection purposes:
DASDRIVE ULTIMATE LEGAL PROTECTION KEY FACTS BROCHURE. Act quickly after an accident and call us now on
DASDRIVE ULTIMATE LEGAL PROTECTION KEY FACTS BROCHURE Act quickly after an accident and call us now on 0800 783 6066 2 DASDRIVE ULTIMATE If you ve been unfortunate enough to have been involved in a motor
II MEDIUM FLEET TRUCKING
., II MEDIUM FLEET OVERVIEW ;nsurance Company AGENDA Highlights: Protective Medium Fleet Program - Mission I Target Customer - Platform Description Coverages Loss Prevention Claims Administration - Underwriting
Ontario Automobile Policy (OAP 1) Owner s Policy
Ontario Automobile Policy Approved by the Superintendent of Financial Services for use as the standard Owner's Policy on or after September 1, 2010. About This Policy This is your automobile insurance
Large Fleet Trucking Program Guidelines (20+ power units)
Large Fleet Trucking Program Guidelines (20+ power units) These guidelines will assist you in qualifying, submitting and binding Large Fleet Trucking business with RLI Transportation. These guidelines
Texas Municipal Courts Education Center
TexasSure Bringing Insurance Verification Into the 21 st Century Texas Municipal Courts Education Center 2008-2009 Academic Year Session Learning Objectives: By the end of the session, participants should
STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS DEPARTMENT OF TRANSPORTATION DIVISION OF MOTOR VEHICLES AMENDED RULES AND REGULATIONS RELATIVE TO
STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS DEPARTMENT OF TRANSPORTATION DIVISION OF MOTOR VEHICLES AMENDED RULES AND REGULATIONS RELATIVE TO COMPULSORY INSURANCE OR FINANCIAL RESPONSIBILITY DANTE
Financial Responsibility. Costs of Owning a Vehicle Trip Planning
Mod 10 Financial Responsibility Buying a Used Vehicle Costs of Owning a Vehicle Trip Planning Financial Responsibility Law $ Minimum liability coverage $ $500 Uninsured motorist fee Virginia Auto Insurance
What you. need to know. Auto Insurance. A consumer information publication
What you Auto Insurance need to know A consumer information publication The Minnesota Department of Commerce has prepared this guide to help you better understand auto insurance. It gives you information
STATE OWNED OR LEASED FLEET VEHICLE USE PROCEDURE
I. General Rules A. State owned or leased vehicles will be used for official state business only. B. Authorized drivers of vehicles are state employees, students, workstudy students and student employees
Licence Chapter 639 Special Transportation Services
Licence Special Transportation Services 639.1.1 Citation Chapter Index Article - 1 Short Title Article 2 - Interpretation 639.2.1 Accessible vehicle - defined 639.2.2 City - defined 639.2.3 Clerk - defined
REGULATION ON TARIFF IMPLEMENTATION PRINCIPLES FOR MOTOR VEHICLES COMPULSORY THIRD PARTY LIABILITY INSURANCE
REGULATION ON TARIFF IMPLEMENTATION PRINCIPLES FOR MOTOR VEHICLES COMPULSORY THIRD PARTY LIABILITY INSURANCE Official Gazette of Publication: 14.07.2007-26852 Issued by: Undersecretariat of Treasury (Prime
Managing Liability Risk Financial Management Institute November 27 2012
Government Vehicles Managing Liability Risk Financial Management Institute November 27 2012 Maxim No man hath endurance, as he that selleth insurance -anon 2 Our Organization and Role Acquisitions Branch
Truck & Auto Insurance
Truck & Auto Insurance & Accident Claims ICU A Consumer s Guide to Truck and Automobile Claims and Insurance in Virginia and West Virginia Roger Skip Ritchie, Attorney and Consumer Advocate LAW FIRM P.L.C.
FREQUENTLY ASKED QUESTIONS
FREQUENTLY ASKED QUESTIONS What is TexasSure? GENERAL INFORMATION TexasSure is a new vehicle insurance verification system that will ultimately allow law enforcement and county tax officials to confirm
COMMERCIAL AUTO APPLICATION
Acceptance Indemnity Insurance Company Acceptance Casualty Insurance Company Occidental Fire & Casualty of North Carolina Wilshire Insurance Company Harco National Insurance Company Transguard Insurance
Frequently Asked Questions
A consumer information brochure published by the 21 South Fruit Street, Suite 14 Concord, NH 03301 phone: (800) 852-3416 fax: (603) 271-1406 Autos TDD Access: Relay NH 1-800-735-2964 My car has been totaled.
CONTRACTOR S POLLUTION LIABILITY INSURANCE APPLICATION LIU Environmental www.liu-usa.com/environmental
CONTRACTOR S POLLUTION LIABILITY INSURANCE APPLICATION LIU Environmental www.liu-usa.com/environmental INSTRUCTIONS Please complete all sections. If any section does not apply, indicate with N/A. Attach
STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS DEPARTMENT OF REVENUE DIVISION OF MOTOR VEHICLES AMENDED RULES AND REGULATIONS RELATIVE TO
STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS DEPARTMENT OF REVENUE DIVISION OF MOTOR VEHICLES AMENDED RULES AND REGULATIONS RELATIVE TO COMPULSORY INSURANCE OR FINANCIAL RESPONSIBILITY WALTER R. CRADDOCK,
Commonwealth of Massachusetts Division of Insurance
Commonwealth of Massachusetts Division of Insurance Joseph G Murphy, Commissioner CONTENTS: PAGE # How to Reach Us D-1 How to File an Insurance Complaint D-1 Frequently Asked Insurance Questions (FAQ s)
Fleet Safety and Vehicle Use/Rental
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Fleet Safety and Vehicle Use/Rental Effective: Moved to Policy Library from UPM 8.5 Contact: Business Services Contents
NEW YORK CHANGES IN BUSINESS AUTO, BUSINESS AUTO PHYSICAL DAMAGE, MOTOR CARRIER AND TRUCKERS COVERAGE FORMS
COMMERCIAL AUTO CA 01 12 04 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES IN BUSINESS AUTO, BUSINESS AUTO PHYSICAL DAMAGE, MOTOR CARRIER AND TRUCKERS COVERAGE FORMS
CAROLINA CASUALTY INSURANCE COMPANY P.O. BOX 2575 JACKSONVILLE, FLORIDA 32203 (904) 363-0900 (800) 874-8053 FAX (904) 363-8093
CAROLINA CASUALTY INSURANCE COMPANY P.O. BOX 2575 JACKSONVILLE, FLORIDA 32203 (904) 363-0900 (800) 874-8053 FAX (904) 363-8093 MISCELLANEOUS PUBLIC AUTO PROGRAM APPLICATION A. GENERAL INFORMATION PROPOSED
COVERAGES & ENDORSEMENTS
ACCIDENTAL DEATH OR DISMEMBERMENT Endorsement PPT100 applies to Personal Autos. This optional endorsement provides coverage for your death, dismemberment or loss of sight. If within ninety (90) days from
SUB-SECTION 1 ENDORSEMENTS APPLICABLE TO ONTARIO POLICY CHANGE FORM (OPCF)
FACILITY ASSOCIATION Section S Standard Endorsement Forms Notes: 1.No endorsements, no special wordings and no changes to standard forms are permissible except as approved by or on behalf of the Superintendent(s)
Automobile Insurance
1.16.1.L1 Note taking guide Automobile Insurance Total Points Earned 41 Total Points Possible Percentage Risk Name Date Class Consumer Automobile insurance Insurance company Deductible Policy Premium LIABILITY
Apex TRUCKING COMPANY. Start Your Own TRUCKING COMPANY. America s Favorite Factor. Start Your Own
Start Your Own Start Your Own Apex R 2014 Apex Capital Corp. All rights reserved. Need help getting started? Call Apex today! 855-211-0927 www.apexcapitalcorp.com America s Favorite Factor 1 Start Your
COMMERCIAL AUTO FLEET INSURANCE APPLICATION
PO Box 2575 Jacksonville, Florida 32203 904-363-0900 800-874-8053 Fax 904-363-8093 COMMERCIAL AUTO FLEET INSURANCE APPLICATION GENERAL INFORMATION Producer Name: Contact Name: Date Coverage Desired: From:
SAMPLE VEHICLE FLEET SAFETY & USAGE POLICY
SAMPLE VEHICLE FLEET SAFETY & USAGE POLICY Policy The purpose of this policy is to ensure the safety of those individuals who drive company vehicles and to provide guidance on the proper use of company
SAMPLE SERVICES CONTRACT
SAMPLE SERVICES CONTRACT The parties to this contract are the SAN DIEGO COUNTY WATER AUTHORITY, a county water authority, (the Water Authority) and, [a / an], having its principal place of business at
Assembly Bill No. 175 Committee on Transportation
Assembly Bill No. 175 Committee on Transportation CHAPTER... AN ACT relating to transportation; revising provisions relating to the use of safety belts in taxicabs; providing for the regulation by the
lautorite.qc.ca Choosing Auto Insurance
lautorite.qc.ca Choosing Auto Insurance About the AMF The Autorité des marchés financiers (AMF) is the regulatory and oversight body for Québec s financial industry. Its mission is to protect the public
BASIC INFORMATION. Yes No in the last five years? Is applicant a Limited (incorporated) company? Yes No. Current Insurer: Policy No.
Intact Insurance Company Motor Truck Cargo Application If you are primarily a local or regional carrier, in the business of transporting goods for others, our Motor Truck Cargo Carriers Legal Liability
Auto Insurance for New Mexico s Young Drivers
Auto Insurance for New Mexico s Young Drivers Prepared for New Mexico s Young Drivers and Their Parents by: One of the major events in many people s lives is earning the privilege of driving a motor vehicle.