Kanary Insurance Agency

DID YOU KNOW THIS ABOUT COMMERCIAL AUTO INSURANCE? You have to have commercial auto insurance to cover the cars, vans or trucks that help you do business. It doesn’t matter if you have a large fleet or just a truck or two, you should be covered just in case. When our team at Kanary Insurance Agency meets with you, we’ll figure out the best policy to keep you covered in case of physical damage or liability. There are differences between personal auto insurance and commercial a...uto policies. A commercial vehicle insurance policy will cover: Bodily injury liability coverage: injury or death resulting from an accident where you are at fault Property damage liability coverage: if your vehicle damages another person’s property Medical payments, no-fault or personal injury coverage: if an employee is hurt in your vehicle Uninsured motorist coverage: if the ‘other guy’ in a wreck has no insurance or is under-insured Collision coverage: when your business vehicle is hit or hits another object Comprehensive physical damage coverage: for vehicle damage caused by theft, vandalism, fire or flood

Give us a call for your auto insurance and vehicle registration needs! We're here to help!

Feliz Dia De Las Madres! De parte de todos aqui en Kanary Insurance Agency

Give us a call for your auto insurance and vehicle registration needs! We're here to help!

Feliz Dia De Las Madres! De parte de todos aqui en Kanary Insurance Agency

Driving For Uber or Lyft Could Invalidate Your Personal Auto Insurance Policy!!!! Your personal auto insurance policy may not provide coverage for you if you drive for a service like Uber or Lyft. This is because personal car insurance policies have a list of exclusions, and they often include driving-for-hire. If you are driving for Uber or a similar service, you should check with your insurance company to confirm whether your policy covers this commercial driving. If it... does not, you will want to consider purchasing supplemental commercial auto insurance, though for many part-time drivers, this may not be financially feasible. Uber Provides (Some) Auto Insurance Coverage When The App Is On. Uber requires all of their drivers to have car insurance, and provides supplemental insurance coverage, but only while the app is on. Here’s how it works: When the Uber app is off, a driver is covered by their own personal car insurance. When the Uber app is turned on, a low level of liability insurance becomes active. When a trip is accepted, a higher level of coverage kicks in and remains active until the passenger exits the vehicle. Previously Uber had only offered coverage when a passenger was in the car, but the company updated their policy after a series of accidents which resulted in various lawsuits.Lyft and some of the other ride-sharing services point to the $1 million per incident excess liability coverage that certain states require them to carry. The policies are designed to deal with liability claims, which a driver’s insurance doesn’t cover. But these policies won’t cover a driver’s car you must rely on your own personal auto insurance policy. Therefore it is imperative to give us a call to get adequate insurance for your vehicle.