Ask the right questions and minimize frustration

Posted on December 4, 2009 by Administrator

Ask the right questions and minimize frustration 

Bob, the owner of a small flower shop, answers the phone prepared to take an order. Instead, he learns his only delivery van was involved in an accident. Questions flood his mind. Is anyone hurt? Is the van damaged? How will I make my deliveries?

Without commercial auto insurance, a business like Bob’s could take a big hit when a crash happens. Standard auto insurance doesn’t always offer the protection most businesses need.

Ask these questions today to avoid insurance headaches tomorrow:

            • Do you use your personal vehicle for business? This includes services that you might not think qualify. Pizza and newspaper delivery, catering, door-to-door consulting, and day care/church retreat van service are good examples of uses that are often excluded from personal policies.

             • How high are your liability limits? Commercial auto policies offer higher liability limits than personal auto policies. Larger vehicles, like delivery vans, can cause more damage than passenger cars.

             • Are you covered in day-to-day business situations? Commercial auto policies usually offer more coverage options than personal auto policies. These include coverage for towing a trailer for business use. Landscapers are ideal candidates for this.

             • Do employees drive your vehicles? If the answer is yes, you probably need commercial auto insurance.

 To learn more about commercial auto coverage, talk to your local independent insurance agent.  LST Insurance Agency 706-277-0971 / www.lstins.com / lst@lstins.com

Posted in Insurance | 19 Comments

Six Steps To Take If You’re In An Accident

Posted on November 19, 2009 by Administrator


 

 

Car accidents can wreak havoc on an otherwise peaceful day. Even if they’re minor, they can often create confusion. You might ask yourself, how should I react? What should I do?

Leading car insurer Progressive offers these simple steps to follow after an accident:

  • Stay calm. Keeping a calm demeanor helps you stay in control of the situation.
  • Make sure you and your passengers are OK. Move as far off the roadway as possible but stay at the scene of the accident. Warn oncoming traffic by activating your hazard warning lights and/or setting flares if you have them.
  • Call the police. Call 911 or the appropriate emergency number to report the accident.
  • Contact your insurance company and report the claim. The sooner your insurance company knows about the accident, the sooner it can start working to resolve your claim.
  • Do not admit fault. To protect yourself legally, do not discuss the car accident with anyone other than the police and your insurance company.
  • Exchange vital information with the other driver involved in the car accident.

Write down the name, address, phone number and license numbers of all drivers and witnesses, particularly those who were riding in a vehicle involved in the accident. Ask for the name of the insurer and policy number for all drivers involved in the car accident.

Before you get into an accident, talk to an independent insurance agent to make sure you have the right insurance. Because the last thing you want to do when you’re in a car accident is worry about having to pay for the damage.

Posted in Insurance | Tagged , , , , | 2 Comments

About

Posted on November 19, 2009 by Administrator

This is an example of a WordPress page, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many pages like this one or sub-pages as you like and manage all of your content inside of WordPress.

2 Comments

Hello world!

Posted on November 19, 2009 by Administrator

Welcome to WordPress. This is your first post. Edit or delete it, then start blogging!

Posted in Insurance | 1 Comment