Truckers Need Commercial Truck Insurance

If you are driving a commercial vehicle, especially a semi-truck, then you need commercial truck insurance to protect yourself and your rig from personal injury attorneys and lawsuit. This also applies to business owners who own a vehicle that is rented, leased, or used by more than one person.Generally, most policies will cover your medical bills and expenses, should you get in a wreck. This is not to be underestimated with the current price of healthcare and the grave nature of most automobile accidents when traveling even at a minimal speed.Your policy should cover underinsured and uninsured motorists. If you get in a wreck and the party at fault has no insurance or does not have enough insurance to cover the damages done to you or your truck, then your insurance company should be there to cover the rest.It should also cover your motor cargo. This aspect is extremely important if you are transporting something that is highly valuable. This could be just about anything, but you do not want to be on the hook for the price of your cargo due to an auto accident.Make sure your commercial truck insurance covers you on bodily injury, property damage, and liability. If you are not covered by an insurance company, you could be taken to court and forced to pay the damages or medical bills out of your own pocket.Do not forget to ensure that you have automotive damage insurance by way of collision, theft, fire, or other type of damage to the vehicle. Besides medical bills, auto repairs are probably the second most expensive thing that insurance can cover for you. Don’t get stuck paying for repairs to your rig out of your own pocket and make sure your policy has you covered.There are plenty of standard options as well as customizable policies. Let’s look at some of the standard packages. Business interruption coverage will protect you or your company from lost wages after a covered loss.Umbrella coverage provides the customer with a much higher liability limit than your average primary commercial truck insurance policies.Tool and equipment coverage will protect your tools and equipment that are stored in company vehicles. This goes hand in hand with cargo insurance, which makes sure that your manifest is insured in transport or in storage, so you can rest assured that your product is safe.Driving without insurance is illegal in the United States, and driving a commercial truck without commercial truck insurance is just stupid. Keep yourself protected and get in touch with your local insurance agent.

Auto Insurance Policy Advice – Tips For Finding the Best Deal on an Auto Insurance Policy

Q: I am shopping around, and asking a lot of questions like you have advised other people, but all the quotes I am getting are higher than I thought they would be. How can I get a good deal on a Kentucky auto insurance policy?A: If you have followed the advice that we have given to other consumers who are looking for a good price on auto insurance and still not finding a good deal on a Kentucky auto insurance policy, then here are a few other things you can try:*Join a group that has negotiated a discount rate with an automobile insurer. The cost of joining the group may be entirely offset by the savings you see in your policy.*Ask if you can save money on your policy by buying an anti-theft device.*Consider having automatic seatbelts installed if the insurance savings will offset the installation cost.*Call the car insurance agents back and ask what special programs they may have that can lower the cost.*Get a copy of your driving record and make sure there is nothing on there that shouldn’t be.If none of these tips work then it is possible that the quote you have received is the best deal you are going to get on a Kentucky auto insurance policy. Reasons your insurance may be higher than you thought include the type of car you own, the neighborhood you live in, your past driving record, and other factors.(Lastly, we strongly recommend that you shop around online and compare automobile insurance rates from several different companies. Comparing quotes is one of the easiest ways to save a bundle on your automotive coverage.)

Why Automotive Logos Differ From Country to Country

The fact that automotive logos differ from country to country is true it’s not only the automotive logos that differ. This phenomenon is happening due to a lot of factors not only for identification on the production lines to know which car is for which country.As the same model cars differ in specs for different countries, and gets marketed under a different name. Why do the specs differ from country to country? There are a lot of reasons and a lot of petrol heads don’t believe this.This was a big discussion in my workshops already when imported cars came in for repairs in the past. When you inform the customer you can’t work on his car due to the fact it was imported into this country. Normally he will tell you it is only the automotive logos that differ because that was what the salesman informed him.If the software differs on a car your diagnostic tool don’t even enter the cars software, to do a diagnostic on the car. The next thing you need is a spare and it is not available in your country. That is normally the point the customer starts to realize it is not only the automotive logos that differ on the car it’s a lot more and the salesman lied to him.That is the point the owner of this car wants to know how it works.• Firstly the automotive software on the car will differ for various reasons; different countries have different driving conditions. This means temperatures, altitudes, fuel mixtures and even the drivers and driving styles.• The whole setup for the country you are in must be build into the car in the factory. For instance your specs on cars differ from the northern hemisphere to those in the southern hemisphere.• Your country authorities lied down all the specs for cars that can be driven in your country so that gets specially built into the car. In South Africa all vehicles that get imported into the country must have an approved number issued by the C.S.I.R our quality controlling board.• If you have a manufacturer of a car in your country or a register importer they will be the only ones that will get cars with the right specs for your country. Because they have the distribution rights in that country and they must be protected. This is not only for cars it work the same on all products.• In South Africa if they found any product in the country that doesn’t adhere to the laid down spec’s it gets destroyed.• So if a car’s automotive logos differ from the rest it is easy for the authorities to spot it.That is why automotive logos do differ all over the world in one country a car goes under a name. In another under a different name even if the look the same, and came from the same production line.