Four Questions To Get The Right Auto Insurance

Using the right tool for a job is key to success in any profession. Experts say the same principle applies when selecting an auto insurance policy. Having the right type of policy can help ensure that you, your employees and your business are all protected in the unfortunate event that one of your vehicles is involved in an accident.

If you’re a business owner and you or your employees use a vehicle for business-related deliveries or to carry certain materials to and from a job site, you may need a commercial auto insurance policy that’s tailored to more closely suit the needs—and risks—of a business vehicle operator.

Here are some questions that can help you determine if you might need a commercial auto policy instead of a personal auto policy, courtesy of Hartman & Lally Insurers. 

• Do you need more liability coverage than your personal auto policy provides? Generally, a commercial auto policy provides higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks.

• Do you need special coverage for situations associated with con-ducting business? Commercial auto policies also usually offer certain coverages—such as hired and non-owned auto coverage and coverage for towing a trailer for business use—that are not available with personal auto policies.

• Do you need to list any employees as drivers? You can do this with a commercial auto insurance policy.

• Do you use your vehicle for business purposes? If you use your vehicle for things like pizza or newspaper delivery, catering, door-to-door consulting service, landscaping or snowplowing service, logging business, day care/church retreat van service and/or farm-to-market delivery, you might need a commercial auto policy.

Hartman & Lally Insurers is an independent insurance agency – trained, licensed insurance professionals who offer personal service and advice. We can help match you with the type of policy that best suits your needs and those of your company.

To learn more about all an independent agency offers, visit progressiveagent.com or give us a call 570-752-3688 or Fax Info below to 570-752-4107 or Email: info@hartmanandlallyinsurers.com.

AUTO QUOTE INFORMATION

In order to give you an accurate quote, the following information is requested. 

NAME:___________________________

ADDRESS___________________________________

TELEPHONE: (home/cell)______________________

Prior Insurance Carrier _________________________

Policy Number _______________________________

Exp. Date ______________

Number of Autos to insure:___________

              YEAR         MAKE/MODEL          VIN          

AUTO1.____________________________________________

           2.____________________________________________

           3.____________________________________________

SAFETY EQUIPMENT

                         AIRBAGS     ANTILOCK      AUTOMATIC  ANTI-THEFT

AUTO1._____________________________________________________

          2.____________________________________________________

          3.____________________________________________________

     VEHICLE USE  (P) PLEASEURE  (C) COMMUTE (B)BUSINESS

                USE                 MILES 1 WAY            PRINCIPAL DRIVER/OCCASIONAL

1._____________________________________________________________________

2._____________________________________________________________________

3._____________________________________________________________________

OPERATORS:

       NAME              DRIVER LIC#        SEX    MAR.STATUS     DOB       SS#

1.________________________________________________________________

2.________________________________________________________________

3.________________________________________________________________

ANY ACCIDENTS OR VIOLATIONS IN LAST 5 YEARS

__________________________________________________________________

__________________________________________________________________

ANY DUI’S

___________________________________________________________________

COVERAGES: 

LIMITED TORT :                                           FULL TORT:

Bodily Injury                                                 $___________________Per Person

Liability                                                         $___________________Per Occurrence

Property Damage:                                         $___________________Per Occurrence

Uninsured Motorists                                     $___________________Per Person

                                                                      $___________________Per Occurrence

Underinsured Motorists                                $___________________Per Person

                                                                      $___________________Per Occurrence

        COMPREHENSIVE                 COLLISION              TOWING       RENTAL 

           DEDUCTIBLES                      DEDUCTIBLE_________________________      

1. _________________________________________________________________
2. _________________________________________________________________
3. _________________________________________________________________
4. _________________________________________________________________

FIRST PARTY BENEFITS:

     MEDICAL                                    $____________________

     WORK LOSS                               $____________________

      FUNERAL EXP                          $____________________

      ACCIDENTAL DEATH             $____________________

      EXTRAORDINARY MED.        $____________________

LOSS PAYEE/ADDITIONAL INSURED

                           NAME                       ADDRESS 

AUTO 1._____________________________________________________

AUTO 2.______________________________________________________

AUTO 3.______________________________________________________

AUTO 4.______________________________________________________