![]() Higher medical payments coverage limits may also be in order. An insurance agent may recommend that you carry higher bodily injury liability insurance limits, especially if your policy contains sub-limits that apply separately to injured persons and to the total amount of losses. It's important to discuss the details to make sure that coverage isn't adversely affected or to be certain that their insurance limits are adequate. Persons who drive in carpools may want to discuss the details with their insurance agent. #Public or livery conveyance driver#Obviously, a car pool relief driver has the named insured's permission, so coverage would still apply. The answer is that any person using the vehicle with the car owner's permission is covered along with the car owner. Car owners may worry if their insurance is affected if another member of a car pool is driving their car. Most car pool arrangements are a form of personal use, so the "personal" premium compensates an insurer for the exposure. However, group-driving arrangements are not significantly different than the routine personal use of a car since personal auto premiums contemplate using the car for commuting, vacations, personal errands, etc. ![]() In other words, such use calls for more careful underwriting, different or special coverages and, more important, a higher commercial premium.
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |