You get in a wreck and find your car insurance won’t cover you. What happened? If you were conducting business and you were not carrying a commercial policy, you could be in danger.

So, if you are a business owner, following up with the type of auto insurance you have is critical as you and your business could end up being liable.     To start, you need the same kinds of insurance coverage for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether or not you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many questions about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While major auto coverage is the same, a business auto policy differs in many technical respects. For instance, if you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. So are you safe?

Here are some examples of ways you may get into trouble without a commercial policy:

•    Pizza and newspaper delivery;

•    Catering;

•    Door-to-door consulting services;

•    Landscaping or snowplowing services

•    Day care/church van services.

•    Real Estate Agents

If your business uses a vehicle, or many vehicles, you will want to ask your insurance professional some important questions such as:

• What are my liability limits? In general, a commercial auto policy can offer higher liability limits. Larger vehicles, such as delivery vans, can cause more damage than passenger cars.

• Does my personal policy cover me for issues specific to my business? For example, if you have a trailer that damages another vehicle while on a job, a personal liability policy may not cover the repairs. A commercial policy will.

• Do I have employees who drive my vehicles? In general, if other people drive your vehicles for work, you need a commercial auto policy.

You also need a commercial auto policy if your vehicle hauls tools or equipment weighing more than 500 pounds, makes deliveries or requires filings for interstate for for-hire trucking businesses.

Once you have taken all of the above into account, you can rest better at night knowing you are fully protected and no assumptions have been made.

You might think that whatever make or model of car you have, auto insurance claims will be similar – and therefore, so will premiums. We all expect to pay more to insure a $200,000 Lamborghini than an ordinary Chevy or Ford sedan because parts are expensive, the car is likely to get stolen, and you are more likely to have an accident driving it fast. But surely the cost on insuring one 4.0 liter four-door sedan is the same as another? Not so. Even among ordinary cars and suvs, all autos are not equal when it comes to auto insurance claims.

The cost of insurance depends on many things such as:

- The likelihood of you having an accident – suvs that do not handle well will generally get a poor rating compared with modern sedans

- The level of injury you are likely to get in an accident – some cars are much better than others

- The cost of repairing the vehicles

The liability cost varies from model to model

These factors are taken into account along with auto insurance claims when the premiujms are set by insurers. So which are the autos to avoid, and which are good? You might expect imports to cost more to insure than cars made in the USA. Not necessarily. For example, Audi and BMW are generally low on the risk of liability in an accident, but the Audi S4 and TT and all BMWs are expensive to repair. Not too many surprises here. Generally, Chryslers are no so good on liability costs, and the Chevy Cobalt, Colorado and Silverado 3500 are pretty bad. The Ford Mustang is also bad, and the Focus and F350 are not good either.

Among the Japanese, Mazda does not rate highly, and Honda generally rates well, but its Ridgeline truck is not so hot. Toyota ranks highly, although the Prius, Tacoma and Tunda are expensive to repair. So you can see that it is not safe to rely on a certain maker, and assume that all its models rate highly.

Check how auto insurance claims affect the cost of insurance

Therefore, before you buy an auto, check out its ranking for crash and repair damage. Actually, the easiest way to do that is get some quotes from leading insurers, as auto insurance claims are taken into account in deciding the premiums they charge. This way you will be able to find what you need to buy a good price.

What you want here is to get all the quotes for the autos you are thinking of buying at one place. I have found that that best place to do this is at a site where you just key in the details, and up come quotes from many insurers. This solves two problems – you find which is the best auto, and which company offers the best price.

The number of Car Accident claims and Car Accident Injury Claims made to several insurance companies has always been on a large scale. Accidents in the thousands are caused all over the UK in a single day. Accidents can occur due to a fault in the car, but most of the accidents that take place are due to a mistake or negligence on the driver’s part.

The greatest cause of most accidents is recklessness by the driver. Recklessness usually cause roll over accidents, which are a major cause of fatalities. Accidents can also be caused due to intoxication or lack of driving experience. The use of drugs and alcohol by drivers can be very dangerous on the road. Age is also an important factor and is highly correlated with Car accidents. Research shows that accidents occur the most in young people between 15 and 20 years of age, and old people who are above 70. This is because of the lack of control over the vehicle and in case of young people, the lack of experience. Insurance companies specify the driver’s age and experience before providing insurance and they don’t entertain any Car Accident Compensation Claims if any of the conditions are violated.

Many accidents are caused due to the driver’s negligence, for example, not wearing a seatbelt. Other than this, most accidents are caused by the driver’s distraction. The most common of these is the driver talking to passengers and not paying full attention to the road. Other than that, being occupied with the radio or CD is also a distraction that causes accidents. Talking on the mobile or playing with any other gadget while driving really distracts drivers, and may result in an accident.

Rubbernecking is another major cause of Car Accidents. Rubbernecking refers to the act of quickly slowing down the car and paying attention to something outside (such as another accident). This can be very dangerous, and another car may run into yours. Tailgating is also a cause of many car accidents. Tailgating is when a driver follows another car at a very close distance. In such cases, it is very difficult to slow down or stop the car immediately and you may hit the car in front of yours. If insurance companies discover that an accident was caused by the driver’s own fault, they might not fulfil the Car Accident Claim.

Keeping all these causes in mind, many different road regulations have been introduced and following these rules is an obligation. Some of these are the use of seatbelts, prohibition on use of cell phones and other gadgets while driving, and age and speed limits on the road. These regulations have contributed to some extent in reducing the car accidents and their fatalities.



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Auto Insurance is something that all drivers must obtain 24/7 when driving on the road. Nowaday, everybody is required to have auto insurance most in every U.S State. Here are 5 good reasons not to think like “oh, it’s ok, i never hit anyone in my life”

1. If you don’t have your proof of having auto insurance coverage when the police officer request, be prepared to pay for a big fine! It absolutely will be at least $500 or more. Even if you have your proof of auto insurance, you should always keep it in your car 24/7 when you’re on the road. Because if you don’t, be prepared to have your citation signed off by a police officer, then bring it to your local court and pay $10. But remember to make sure you get it done anytime before your court date that is written on your ticket. I’ll tell you a good reason why! If you miss your first court date, the $10 will be $370 in fine. And if you miss your second court date, the $370 will be close to $1000 in fine. Believe me or not, it did happen to me.

2. When you get into a car accident with you at fault and without auto insurance, you are going to be in deep trouble with the DMV and your fianance when the police come to do the accident report. First, you might get your car towed and license suspended if you tell the police officer that you don’t have auto insurance coverage. On the second, you will also have to pay for cost of all damages caused in the accident, which are the fixing cost for the car of the person you hit and the cost of compensation for his or her injury if caused by the accident. And trust me on this, 95 percent of the time you will, even if that person is not really hurting or suffering from the accident. He or she could still go to the doctor to have check up or treatment, and the longer the treatment last, the more money you’re going to pay. Based on what i estimated as the average, one minor accident without anyone getting hurt will at least cost you $10,000. But in major accident when somone is seriously hurt or injuried that he or she has to be hospitalized, i’d say it’s in the scale of $30,000 – $100,000 that you will have to pay. And you will go to jail if you don’t pay for it.

3. It’s always safe to know that you are insured not only for yourself but also for other people around you. You could always feel safe and not worried knowing that you have auto insurance coverage. Auto Insurance Coverage doesn’t really cost that much if you’re a good driver with no tickets or any at fault accidents. Espeically for young teenage drivers, it could cost just as low as your phone bill if you know the right auto insurance companies.

Millions of Car Accidents occur worldwide every year, and the fatalities due to these accidents are also in the millions. Most of the time, it is somehow the driver who is responsible for the accident.

According to a Traffic Report by the WHO, road accidents kill more than 1.2 million people annually, and around fifty million people get injured or disabled. These numbers are increasing with the passage of years. Out of over 1.2 million worldwide, 90% of the deaths are caused in the countries that have low or middle level incomes. Globally, more than half of the total accidents that occur are with drivers between the age of 15 and 44 years, and the drivers in more than 73% of cases are males.

In the UK, the number of accidents has considerably decreased in percentage over the past four or five years. Recent reports show that the road accidents have decreased by one to two percent since the year 2006.

According to an estimate, the number of accidents every year in the US is more than six million. These accidents injure millions, while thousands of people are killed. The number of people killed in car accidents in the US is thirteen times that killed in the UK. However, this difference is not very dramatic as the US is 40 times the size of UK.

In the EU, the country with the highest number of Car accidents and fatalities is Italy followed by Poland. The UK also has a relatively high rate as compared to other EU countries. Around ten thousand car accidents occur in the UK each day, and most of these are the result of a mistake on the driver’s part. Car accidents comprise more than 52% of the total accidents in the EU.

Out of the total accidents in the EU, 67% are in the urban areas and in 75% of the total accidents, the driver is male. Young drivers between age 18 and 25 are involved in more than 21% of the total accidents and fatalities. Research shows that most of the accidents occur due to reckless driving and intoxication. Other than this, there are large numbers of rollover accidents involving young adults and teenage drivers. The number of accidents due to intoxication is also increasing continuously. In the US, about 70 to 80 people die every day due to accidents related to alcohol.

In accidents in the EU and US, most the cars are insured, and Car Accident Compensation Claims can be made along with any Car Accident Injury claims. However, there are many countries where there is no insurance, and hence Car accident claims cannot be made. This is especially true for the low and medium income countries of Africa and Asia where accidents are in large percentages, and Car Accident Compensation Claims and Car Accident Injury Claims are not usually made.



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Buying a car is always a big responsibility. But making that choice on where to buy your car is a huge decision that needs to be thought through carefully. There are many choices on where you can buy your next automobile. You may buy it from a car lot or even off of EBay but have you considered local auto auctions as a place to get your next used car?

Auto auctions are becoming quite popular. But there are some things you absolutely should consider before making such an important purchase from an auction. Are you getting the best deal for your money? What happens if something goes wrong? These are questions that you have to think about when it comes to your new purchase. In this article we will cover what auto auctions are and how they can either help or hinder your pursuit of a new automobile.

What are auto auctions?

Auto auctions are places where cars are sold. It could be from a public auction that has several vehicles to sell or it could be from an online auction at such places as EBay. There are also government seized auctions that occur regularly.

The best place to look for these auctions is in your local newspaper. Many companies regularly have auctions at a set place and can offer up more choices in cars, trucks, vans and sport-utility vehicles.

What forms of payment are accepted at auto auctions?

Each auction company has different rules about forms of payment. Some will accept a local check while others out of the area may not. Cash is always a good idea to have when you go to one of these auto auctions.

If you buy your car from an online auto auction you may be able to pay with PayPal and then bring the rest in cash or a certified check when you go to pick up the vehicle. If you are unsure of what form of money to bring you can always call the auction company to see what forms of payment they accept.

Where do auto auctions get their cars?

Auto auctions get their cars from a variety of sources. The cars may be from repossessions foreclosed by the lender or the bank. Some cars come from private owners who want to sell their car in an auction environment rather than through the newspaper. EBay has turned into a popular auto auction site with many dealerships selling their inventory through the website.

Is the seller obliged to state any defects on the car?

There is a huge difference between what a seller should do and what they actually do. This is where ethics comes into play. If the seller knows that the engine is knocking or that the car has been wrecked they should disclose this knowledge to the public before bidding commences.

Many states require that if a seller knows about a particular problem and does not disclose it, they can be held liable if the car breaks down after purchase. Basically it is the seller committing fraud against the buyer and fraud in all states is illegal.



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The average online shopper looking to buy auto parts inexpensively will mostly likely first think, “Used is the way to go.” What’s unfortunate about this scenario is that this unassuming customer probably isn’t aware of the auto part’s life story; how and from where it arrived at the shop, and the ways it might put their safety at risk. Yes, “used” can be synonymous with “cheap,” however “safe does not a cheap auto part make.”

Here’s why.

1. Used auto parts are most often taken salvaged from wrecked, or accident vehicles, and studies show that these parts require the highest rate of failure and repair. Unknowingly installing a faulty part from an accident vehicle may not just affect safety. Depending on your auto part, your comfort, gas mileage and other factors could be affected and go unnoticed.

2. It’s difficult to have used auto parts properly tested. Very few agencies, government or otherwise, regulate used auto part testing. While some do exist, locating an agency is likely an effort you’ll want to forgo. Fortunately, you can focus your efforts on searching for discount auto parts instead; these are always new, safety tested and ready for install.

3. The most in-demand used auto parts are also the most safety deficient. The most expensive auto parts, are those that are the most sought after at discount prices. These parts are usually smaller, important internal components. Replacing these with used, untested, refurbished or junkyard counterparts pose the most risk to your safety, given their importance to the over all proper functioning of your vehicle. For example, while a discount air filter can easily be found used, these are typically not expensive anyhow. A general rule of thumb is that the more expensive the part, the more risk there is posed by untested replacements.

4. Salvage Yards don’t offer safety. While appropriate for body parts like fenders and doors, internal components can vary in quality from “junker to junker” and verifying safety just isn’t an option. Wrecks resulting from faulty parts require more spend than simply purchasing new parts at a higher up front cost.

So what’s the alternative? Buy new auto parts at discount prices.

Here are a few methods of finding cheap auto parts online without sacrificing quality or safety:

Look for Online Stores Labeled “Discount”.

By lowering overhead costs and reducing profit margins, online auto part sellers can reduce prices on brand new auto parts in order to stay competitive. These sellers own what are called “discount stores.” Even if an online seller isn’t labeled as “discount,” if the price is right, (and the auto parts aren’t used) it’s a safe bet that “cheap” in this case doesn’t equal unsafe.

Discount sellers most often operate online since doing so significantly decreases cost, allowing them to offer quality auto parts at affordable prices.

Buy Direct From a Wholesaler.

Many online stores operate as dealers for the direct manufacturer, and these stores will mark up costs for profit. You can bypass online stores directly when looking for discount auto parts by searching for auto parts wholesalers online. Most reputable wholesalers will have an online storefront, offering you wider product selection, lower prices, ease of ordering, and quick service. Be sure to exercise due diligence prior to ordering. Talk to someone directly if possible.



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When you get a new auto, or your auto insurance runs out, you want the best auto insurance price you can get. The fact is that if you are not careful, you could end up paying 20-50 per cent more to insure your auto than you need to. Nevertheless, the auto insurance business is very competitive, and you can get very low rates.

To get a good auto insurance price, you need to shop around, and get at least three quotes, and preferably more. But the question is: How? Sure, you could get on the phone, as most insurers have freephone numbers, or you could just leave it to a broker to get the best price. Or you can use the internet. These are the choices.

You won’t get the latest information on the phone

There are some disadvantages with either using a broker or shopping around by phone. First, you are not likely to get to all the best auto insurance prices. The Yellow Pages are never completely up-to-date, so if you rely on that source for insurers you may not reach a new, competitive company. If you leave it to a broker, you will only get quotes from companies the broker deals with – not every insurer. In fact, some insurance companies deal only directly with the public and do not use brokers at all. Because they do not pay the broker a fee, you usually get a better price, and these companies are hungry for your business, which is good news for you.

Googling not the best answer for this one

The most up-to-date place to find auto insurance prices is clearly the Internet. But this is one case where you may not get the best answer by Googling for auto insurance quotes one by one. The reason for this is that many of the websites listed are not actually insurers nor brokers but directories of insurance companies – and these sites are not always updated regularly. Also, you will be surprised to see quite a few sites that are out of date. Yes, that happens even on the Internet!

You really want to get to a quicker way, where you can be sure that the source of auto insurance prices has can access a large number of insurers. There are a number of sites that do this. You just key in your details and you will get a great comparison of quotes, giving you the best auto insurance prices.