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05-01-2012, 09:14 PM
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#21
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Mostly Harmless
Join Date: Aug 2010
Location: Stately Wayne Manor
Posts: 1,273
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Quote:
Originally Posted by electricalwiz
I am not hiding anything, I was told I can have personal coverage because I also use it to transport my kids.
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???   What's that got to do with it?
__________________
"Golf is a good walk spoiled." -Mark Twain
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05-01-2012, 09:16 PM
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#22
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Senior Member
Join Date: Mar 2011
Location: Pennsylvania
Posts: 1,365
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Quote:
Originally Posted by Split Bolt
??? What's that got to do with it? |
becuase it gets used for personal use,
__________________
'I believe that banking institutions are more dangerous to our liberties than standing armies"
Thomas Jefferson
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05-01-2012, 09:17 PM
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#23
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Senior Member
Join Date: Jul 2008
Location: Horsham, PA
Posts: 580
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Quote:
Originally Posted by electricalwiz
I am not hiding anything, I was told I can have personal coverage because I also use it to transport my kids.
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Did you forget to tell them that you regularLy use it for your business as an electrical contractor?
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The Following User Says Thank You to svh19044 For This Useful Post:
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05-01-2012, 09:18 PM
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#24
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Senior Member
Join Date: Mar 2011
Location: Pennsylvania
Posts: 1,365
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Quote:
Originally Posted by svh19044
Did you forget to tell them that you regularLy use it for your business as an electrical contractor?
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No, my insurance agent knows that. I do work at both his house and office.
__________________
'I believe that banking institutions are more dangerous to our liberties than standing armies"
Thomas Jefferson
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05-01-2012, 09:19 PM
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#25
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Senior Member
Join Date: Jul 2008
Location: Horsham, PA
Posts: 580
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Quote:
Originally Posted by electricalwiz
No, my insurance agent knows that. I do work at both his house and office.
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I'd find a reputable insurance agent. Its actually quite a scary thought.
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The Following 3 Users Say Thank You to svh19044 For This Useful Post:
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05-01-2012, 09:23 PM
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#26
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Senior Member
Join Date: Mar 2011
Location: Pennsylvania
Posts: 1,365
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Quote:
Originally Posted by svh19044
I'd find a reputable insurance agent. Its actually quite a scary thought.
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why is that scary? all of my insurance policies are with him
__________________
'I believe that banking institutions are more dangerous to our liberties than standing armies"
Thomas Jefferson
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05-01-2012, 09:23 PM
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#27
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Mostly Harmless
Join Date: Aug 2010
Location: Stately Wayne Manor
Posts: 1,273
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Quote:
Originally Posted by electricalwiz
becuase it gets used for personal use,
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Yeah, I understand that. But that has nothing to do with the insurance coverage. If it is a business vehicle, it HAS to have commercial coverage. It doesn't matter if you give your kids a ride to school or if you drop the president off at the white house each morning! The insurance agent is a hack!
__________________
"Golf is a good walk spoiled." -Mark Twain
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05-01-2012, 09:29 PM
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#28
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Senior Member
Join Date: Dec 2010
Location: Twin Cities
Posts: 9,895
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Quote:
Originally Posted by B4T
Officially I am B4T INC.... DBA XXX ELECTRIC....
I have an account that wanted a copy of my auto insurance.. it came out as B4T since the insurance is in my personal name..
Now the company wants the insurance certificate to read XXX ELECTRIC..
My insurance company can't do it without switching me over to a commercial policy which will cost me an extra $2000.00 a year.. 
I can't get a straight answer why they are mandating I get a commercial policy..
Anyone ever come across this before..  |
Should you have your company vehicle on your commercial policy?
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05-01-2012, 10:05 PM
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#29
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ET Road Warrior
Join Date: Feb 2009
Location: Long Island, N.Y.
Posts: 27,297
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Quote:
Originally Posted by Chris1971
Should you have your company vehicle on your commercial policy?
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The truck is registered to me personally and I am personally Incorporated..
__________________
There comes a time when people who volunteer their service need to step back and see if it is better for them to retire. A red flag is when they become "cranky" and lose all sense of reality by making decisions that really don't make any sense..
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05-01-2012, 10:27 PM
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#30
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Heavily Armed Member
Join Date: Sep 2010
Location: Fascistchusetts
Posts: 29,487
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Quote:
Originally Posted by mcclary's electrical
The coverage does not stay the same. If you got in an accident with that van, and a SDS MAX drill flies through the windshield and kills somebody, you're gonna have some serious issues.
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The tools are covered by my business liability policy the vehicle insurance is just vehicle insurance it does not matter here you must have commercial plates here and pay $200 every Christmas day to renew them for the next year.
The Car insurance laws vary from state to state.
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05-01-2012, 10:29 PM
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#31
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Heavily Armed Member
Join Date: Sep 2010
Location: Fascistchusetts
Posts: 29,487
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Quote:
Originally Posted by B4T
The truck is registered to me personally and I am personally Incorporated..
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B4T ., Do you have passenger car plates or commercial plates?
Last edited by HARRY304E; 05-01-2012 at 10:32 PM.
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05-01-2012, 11:13 PM
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#32
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Senior Member
Join Date: Jul 2009
Location: MO
Posts: 680
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Get a competitive quote. My commercial coverage is barely more than my personal.
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05-01-2012, 11:16 PM
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#33
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ET Road Warrior
Join Date: Feb 2009
Location: Long Island, N.Y.
Posts: 27,297
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Quote:
Originally Posted by HARRY304E
B4T ., Do you have passenger car plates or commercial plates?
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Commercial plates.. but after reading through this thread.. I am going to get the commercial policy..
It would be my luck to get into an accident and run into problems about how I have my truck listed..
I will just pass on the costs to everyone else.. 
__________________
There comes a time when people who volunteer their service need to step back and see if it is better for them to retire. A red flag is when they become "cranky" and lose all sense of reality by making decisions that really don't make any sense..
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05-01-2012, 11:18 PM
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#34
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ET Road Warrior
Join Date: Feb 2009
Location: Long Island, N.Y.
Posts: 27,297
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Quote:
Originally Posted by garfield
Get a competitive quote. My commercial coverage is barely more than my personal.
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This is NY.. they screw you any way they can.. multiple time.. 
Someone has to pay for the TV commercials where they are.."your neighbor and your friend".. 
__________________
There comes a time when people who volunteer their service need to step back and see if it is better for them to retire. A red flag is when they become "cranky" and lose all sense of reality by making decisions that really don't make any sense..
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05-01-2012, 11:20 PM
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#35
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Heavily Armed Member
Join Date: Sep 2010
Location: Fascistchusetts
Posts: 29,487
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Quote:
Originally Posted by B4T
Commercial plates.. but after reading through this thread.. I am going to get the commercial policy..
It would be my luck to get into an accident and run into problems about how I have my truck listed..
I will just pass on the costs to everyone else.. |
Every state has different rules but shop around and make sure you are getting your moneys worth.
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05-01-2012, 11:23 PM
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#36
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ET Road Warrior
Join Date: Feb 2009
Location: Long Island, N.Y.
Posts: 27,297
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Quote:
Originally Posted by HARRY304E
Every state has different rules but shop around and make sure you are getting your moneys worth.
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You mean to make sure they kiss me first..
__________________
There comes a time when people who volunteer their service need to step back and see if it is better for them to retire. A red flag is when they become "cranky" and lose all sense of reality by making decisions that really don't make any sense..
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05-01-2012, 11:29 PM
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#37
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Heavily Armed Member
Join Date: Sep 2010
Location: Fascistchusetts
Posts: 29,487
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Quote:
Originally Posted by B4T
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05-02-2012, 12:13 AM
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#38
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Registered Member
Join Date: Jan 2009
Location: N.E.
Posts: 16,081
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Quote:
Originally Posted by B4T
The truck is registered to me personally and I am personally Incorporated..
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Doesn't matter, you are using the vehicle for commercial purposes so you need commercial insurance.
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05-02-2012, 12:29 AM
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#39
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Heavily Armed Member
Join Date: Sep 2010
Location: Fascistchusetts
Posts: 29,487
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Quote:
Originally Posted by Peter D
Doesn't matter, you are using the vehicle for commercial purposes so you need commercial insurance.
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Where?
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05-02-2012, 02:34 AM
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#40
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Senior Member
Join Date: Nov 2010
Location: New England
Posts: 23,868
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Quote:
Originally Posted by B4T
I can't get a straight answer why they are mandating I get a commercial policy..
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Because you are using it for commercial use.
How freaking hard to understand is that. Jesus you are dense sometimes.
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