Typically, when you purchase an insurance policy, you could walk away with several pieces of paper: your temporary insurance card, policy, declarations page, etc. Then, days later, you may receive more paper, such as your permanent insurance card and policy, which means you're dealing with a lot of paper for something you probably won't need to reference often.
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If you think commercial auto insurance is just for businesses, think again.
People often associate commercial auto insurance with businesses — rightfully so. When companies need to insure a fleet of vehicles that are used for business, they often purchase commercial auto insurance. However, commercial auto insurance isn't strictly for businesses. Individuals may also need a commercial auto policy to insure their vehicles depending on the types of vehicles they use and how they use them. Additionally, an individual may require a commercial auto policy depending on who is driving or riding in the vehicle.
If you're caught driving under the influence, it's likely that your insurance premium will be affected.
We understand that receiving a DUI* can be a difficult experience. As you can imagine, having a DUI on your driving record means you'll be paying for it long after your court or legal interactions have ended. In fact, a DUI often directly impacts what you pay for auto insurance. Here's why.
How your auto insurance covers accidents that happen at home
Accidents happen anywhere, anytime. A fair amount of time, accidents happen close to home, too. And, of those times, a respectable number of accidents can happen right at home — in your driveway, in the garage, at the curb, etc.
Does your friend's auto insurance policy cover you if you borrow his car?
Occasionally, you may need to borrow your friend's car to run an errand, go to work or complete some other task. When you do this, do you know if you're covered by your neighbor's auto insurance policy?