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HandymanInsurance.com, Helps in Choosing Car Insurance Coverage

Wednesday, May. 19th 2010 7:36 AM

As consumers begin shopping around for automobile coverage they will quickly realize that there are many options that they have to choose from and for the average consumer it may be difficult to ensure that the right choice is made. auto insurance can be a complex product, but it is also extremely important and it may be in the best interest of a motorist to understand as much as possible before making a purchase; in many cases drivers either buy too much protection and spend unnecessary money or become underinsured.

If an individual is unfamiliar with the way an automobile policy works to protect them, they may want to take the time to do a little research and try to understand the difference in the various options that they have to pick from. There are many resources available online and off which can provide the definitions of the multiple types of protection and what they cover; by understanding this, consumers will have a better idea of what policy will best suit their needs. Whether getting help choosing the right policies from industry professionals, informative or government websites one thing will probably be certain and each will tell you that car insurance coverage recommendations will always include getting at least the minimum required to satisfy the laws of your state.

Choices in auto insurance Coverage

As mentioned, there are many choices that an individual has when they are looking to purchase an automobile policy and understanding them will be the difference in obtaining proper auto insurance. Aside from what the state requires an individual to purchase, they may want to consider higher limits than what their state mandates. For example, according to the Florida Department of Highway Safety and Motor Vehicles motorists are only required to carry coverage consisting of $10,000 in Property Damage Liability; while this may seem like a sufficient amount, this may not be the case if the insured strikes a luxury vehicle causing substantial damage and they may be held accountable for any remaining compensation exceeding the $10,000 due to the other party. Individuals who are residents of states that only require small coverage requirements to operate a vehicle may want to quote higher limits to protect themselves and their assets.

One type of coverage that many motorists choose to buy is Comprehensive and Collision which helps pay for damage sustained by the policyholder’s vehicle. Compensation comes in two forms; the insurance company will either pay the insured the amount needed to repair the automobile or replace it. There are no states that make this type of protection mandatory, but it can be beneficial to those who own high end automobiles or may even be necessary for those who are financing their car. Most financial institutions require their borrowers to carry this add-on as a condition of the loan agreement; this is done to protect the lender’s interest in the vehicle.

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6 Comments on “HandymanInsurance.com, Helps in Choosing Car Insurance Coverage”

  1. Craig F Says:

    When the vehicle is registered in the name of the business then you definitely need commercial auto insurance. When the vehicle is registered in the name of the business then you definitely need commercial auto insurance. If you use the same vehicle to then travel to clients or job sites, depending on how often you do this and the nature of your work, you might need commercial insurance. Another sign that you need a commercial auto insurance policy is if other employees at your company are driving the car. You need commercial auto coverage if you or your employees will use titled vehicles in their work. In every instance where you have employees who drive company cars for deliveries, meetings and the like, you will need to purchase commercial auto insurance. Only driving to and from your principal place of work is considered commuting and does not need a commercial insurance policy.

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  2. Bill J Says:

    You will want to find out some information about the different companies, determine how much coverage you need, and of course you want to find the best price. If you are an older driver or someone with a good driving record, chances are you’ll be able find a very competitive quote from a number of different insurance providers, and even of you have a less than perfect driving record it is still possible to get vehicle insurance that that is not only reasonably priced, but gives you the protection and peace of mind you require. There are many web sites that offer online vehicle insurance rates making it simple to view the prices and coverage plans in the comfort of your home without the pressure to buy.

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  3. Ida Says:

    Whether licensed or not, in many states an individual who owns a vehicle will be required to maintain car insurance for as long as they have a valid registration; if they wish to forfeit the registration they can, but should notify the proper state department before canceling coverage in order to avoid any penalties and fines for failure to maintain a policy.

    Although it may not seem to make sense to keep policies on a vehicle while unlicensed there are situations where it may be a good idea. Vehicle owners may not have a driver’s license themselves, but may occasionally lend out their automobile to friends, members of their household or caretakers would need the vehicle to be insured to be operated legally.

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  4. James Says:

    Discounts are given for many different reasons including having multiple cars on a policy, having a good driving record and/or credit score and combining two different lines of insurance, etc. Therefore, the best way to reduce what will be paid for coverage is to get as many quotes as possible and take advantage of any discounts that apply to you. It is also a good idea to periodically compare rates to ensure that your current provider is still the most affordable.

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  5. Kenny G Says:

    There are many websites that offer online vehicle insurance rates making it simple to view the prices and coverage plans in the comfort of your home without the pressure to buy. Surf the Internet and obtain numerous online vehicle insurance rates. There are a number of things which affect the price of automobile insurance.

    For instance if the costs increase as the coverage increase, you could try to reduce the number of items being covered by the policy to reduce the rates and make it affordable. You might want to consider liability only auto insurance for certain types of vehicles lower in value. Higher priced vehicles are expensive to repair and may even have higher chances of being stolen, insurance providers will charge you costlier insurance rates.

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  6. Yane Says:

    One great thing about comparing free quotes is that it can be used in a number of different situations. For many comes the day when their child hits the golden age of 16 and obtains their driver’s license; while the parent may be proud of their child’s accomplishment, one thing is for sure and it is the dread of the auto insurance premium increase they are almost certain to receive; shopping around and receiving rates can lessen this blow and lead to a cheaper carrier whether they will be added to a parent’s existing policy or getting one of their own.

    Another wise place to take advantage of free quotations is when motorists are looking to purchase a new vehicle; through much of the excitement of getting behind the wheel of a dream car, many forget the cost of insuring it and will be shocked to see that the price of coverage can nearly equal the automobile’s monthly payment. Comparing rates before a purchase can help avoid getting into buying a vehicle that may not be as affordable as once thought.

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Business insurance quotes vary according to the state your business is in so you need to keep this mind when shopping for insurance.
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Handyman Insurance

Insurance might not be the first thing someone thinks about when running a business, but it should be an important consideration.   Handyman insurance is another requirement if you are thinking about starting a handyman business.  This website provides important insurance information on Handyman Insurance Coverage and quotes.

Handyman Insurance Coverage

Handyman insurance includes several types of coverage; each one offers a specific kind of protection for your business.  

(Handyman Insurance ) Commercial Auto: Covers a business's owned, no owned, and hired autos against liability and physical damage losses. 

Handyman Workers Compensation:  If your business as a Handyman employs any staff (including part-time, trainees or sub-contractors), Employers liability insurance cover is a legal requirement.  Employers liability insurance provides protection against your legal liabilities to pay compensation in respect of injury sustained by your employees in the course of your business as a Handyman.  (Handyman Insurance) Workers Compensation: Provides coverage for an employer's responsibility in the event of a work-related injury or illness.   Employers Liability Insurance for handyman work: This type of insurance would cover payment of legal fees and damages in the event that an employee was injured or killed while doing work for you. 

Tradesman Insurance for handymen: This is a package of several different kinds of cover for handymen, making up one policy that meets all your insurance needs.

Public Liability Insurance for handyman work: This type of insurance would cover you if your business activities caused injury or death to a member of the public.

Handyman General Liability - Commercial jobs will require you to have general liability coverage of $1,000,000 to $2,000,000 prior to being hired (not to mention that you protect your assets if something goes wrong on the job).

Products liability insurance for Handymen - Products liability insurance provides protection against your legal liability, compensation costs and expenses following injury or damage by goods that you have sold, supplied, repaired, tested or delivered in connection with your business as a Handyman.  Products Liability insurance for Handymen at 1,000,000 with the option to increase to 2,000,000 up to 5,000,000 or more.  Public Liability insurance cover provides protection against your legal liability for injury to third parties and damage to their property in connection with your business as a Handyman.

Professional Indemnity Insurance for handyman work: This covers you against any mistakes you might make  including bad advice you or your staff might give  that ends up costing your clients money, and leading them to take legal action against you.

(Handyman Insurance ) Umbrella Coverage: A broader form of coverage that extends the limits of liability found in a base policy form. 

Income Protection Insurance - If the essential person should be unable to work for a period of time, this handyman insurance helps to cover the loss of business as a result of the illness or injury.  Having sufficient income protection insurance is also a worth while consideration, if you were to fall off a step ladder or hurt your back and couldnt work, accident, sickness and unemployment insurance could help you to pay for some of your monthly bills in the event of you not being able to work.

The Handyman Insurance Program gives our policyholder comprehensive coverage for their handyman businesses, and the program is designed for Handymen who: Are hired to do a variety of miscellaneous work that would be found in a residential household environment;

Please note that standard home owner's insurance will most likely not cover business assets, and may VOID your home insurance coverage.  If your business is home-based, do you need more liability coverage than your home insurance policy covers. 

The Handyman program gives our policyholder comprehensive coverage for their handyman businesses, and the program is designed for Handymen.

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