Connect with us

It’s common when running a business to use your personal car for work purposes. However, you may require commercial auto insurance to ensure you are properly protected. Unfortunately, the difference between commercial and personal auto insurance can be tricky to understand. Many people are driving their vehicles thinking that they are properly covered, when in reality they are not. Here is a quick guide to the differences between commercial and personal auto insurance. 

Differences Between Commercial and Personal Auto Insurance

Whenever you get behind the wheel, you are putting yourself at risk. The risks are physical, but also financial if you are liable for damages or injuries. However, if you are using your vehicle for commercial purposes, there may be different risks involved than if you are using it for personal use. 

Personal coverage is geared towards providing protection for personal use. Commercial coverage may need to be more comprehensive since using your vehicle for work could involve different risks. It could depend on the industry you are in, such as construction, or the type of work you do. In general, a personal coverage plan will not cover activities undertaken while you are working, and a commercial policy will not cover you for personal activities. 

Commercial Automobile Coverage

There are thousands of deaths on roads in the United States every year. You never know when disaster might strike, and you want to make sure that your business is protected against any claims that may be made against you. You might drive between work sites, or have a delivery business of some kind, but no matter what, you need commercial auto insurance you can trust

Your commercial auto coverage should be custom designed so that you are protected against the specific risks of your business. Because of this, there are many possible policy options. It’s important to look them over carefully to make sure that you are properly protected. Not all insurance providers provide the same options either, so find one that is flexible. Be as diligent as possible. You never want to find out that you are not covered for something when it comes time that you actually need it. Must haves when it comes to commercial auto coverage include: 

Personal injury for anyone in the vehicle, which includes yourself, your employees, or any passengers that you might have. Coverage should include lost wages and medical costs. Coverage against injuries or damages when loading or unloading the vehicle. This is especially important if deliveries are a part of your business, or if you need to transport tools or other objects that might cause injury or damage. Coverage to replace the car if it is damaged and needs repairs. When you are operating a vehicle for your business, any downtime will affect your business’s bottom line. With this coverage, you can continue to operate until your vehicle is ready to go. 

Personal Auto Insurance

Personal auto insurance is meant for the day-to-day activities for which you might use your vehicle. This includes going to work and school, shopping, personal tips, and even a small amount of business use if necessary. Someone may have a job that requires traveling to different work sites but that doesn’t carry extra risks, and still be covered under a personal plan. This could include real estate agents who head from home to home on a regular basis. At the very least, your personal auto coverage should include: 

Liability coverage that protects you financially if you are found liable for an accident causing injury or death. Accident benefits coverage will help if you are injured and require medical and

Read More

—————-

By: Automotive Addicts Contributor
Title: Commercial vs. Personal Auto Insurance
Sourced From: www.automotiveaddicts.com/75361/commercial-vs-personal-auto-insurance
Published Date: Thu, 04 Nov 2021 16:11:45 +0000

Did you miss our previous article…
https://www.mansbrand.com/how-to-write-an-effective-used-car-ad/

Total
0
Shares
Share 0
Tweet 0
Pin it 0
Share 0
Related Topics:
Click to comment

You must be logged in to post a comment Login

Leave a Reply

Motor

BEYOND THE STRIP: Discover the Cultural Gems of Las Vegas

AdobeStock 527991764 Editorial Use Only copy 200x123 1 jpeg

>

BEYOND THE STRIP: Discover the Cultural Gems of Las Vegas

Written by Barbara Toombs

Fremont Street in the heart of downtown Las Vegas.

Millions of visitors are understandably attracted to the glitz and glamour of Las Vegas’ renowned Strip each year, where world-class resorts, casinos, shows and incredible dining options are the name of the game.

What many don’t realize is that there’s another fascinating side to the Entertainment Capital of the World, headlined by two cultural districts known simply as Downtown and Chinatown.

Downtown Las Vegas (also known as DTLV) is really where this unique desert city got its start. In 1931, construction began on what is now known as the Hoover Dam, attracting thousands of workers to a site just east of the city. To capitalize on this growing workforce, savvy businessmen began building casinos and showgirl venues along Las Vegas’ only paved road at the time: Fremont Street.

Today, DTLV is comprised of three distinct districts. Many visitors to the city are already familiar with one of them: the Fremont Street Casino District, which contains museums, restaurants and bars, as well as the original Las Vegas casinos, including El Cortez, Golden Nugget and Golden Gate. Here you’ll also find the renowned Fremont Street Experience, which debuted in 1995. This pedestrian-only thoroughfare is covered by a canopy of more than two million LED lights and a state-of-the-art sound system that comes to life every night for a spectacular sound and light show called “Viva Vision.”

The Arts District

A popular attraction in this district is The Mob Museum (the National Museum of Organized Crime and Law Enforcement), which showcases intriguing tales and the age-old dichotomy of good guys versus bad guys. Explore at your own pace, go on a guided tour or uncover museum surprises as part of a group scavenger hunt. Want a literal “taste” of old-school Las Vegas? Plan to dine at Top of Binion’s Steakhouse, perched on the 24th floor of Binion’s Gambling Hall. The restaurant dates back to 1965 when it was known as Top of the Mint, the signature dining spot at The Mint hotel tower. The interior design (and menu – think steak, prime rib, lobster and even Baked Alaska) is a throwback to an earlier era when the mob ran much of Las Vegas, but the real draw is the spectacular view through dramatic floor-to-ceiling windows.

Built in 2002, the Fremont East Entertainment District (FEED) is a six-block area that stretches from Las Vegas Boulevard East to 8th Street and from Ogden Street South to Carson. FEED is pedestrian-friendly, offering diverse street life and many eateries, cafes, bars and lounges, as well as ample shopping opportunities and lively entertainment. A must-see attraction in this district is the Downtown Container Park – a dining, shopping and live music venue made of 45 colorful repurposed shipping containers, all fronted by a two-story, fire-breathing praying mantis who made its original debut at Burning Man. Nearby is the popular Bin 702 – one of many great dining choices in the area – featuring a great selection of beer and wine, as well as a tantalizing choice of charcuterie and cheese, sandwiches and small plates for sharing.

18b sign in The Arts District.

In recent years, The Arts District – or the 18b as it’s also known (a reference to it occupying 18 blocks of Downtown Las Vegas, loosely outlined by Commerce Street, Colorado Ave, Fourth Street and Hoover Avenue) – has been growing in popularity. Its monthly “First Friday” block party and art walk features food trucks and live music, serving as a backdrop for artists showing their works off at a variety of open-air and indoor galleries. These include The Arts Factory, home to over 30 artists and art galleries, and ArtSquare, a hip establishment that houses design stores, designer’s studios, wellness spots, and food and drink outlets. Behind The Arts Factory sits one of many great dining choices in The Arts District: Taverna Costera, serving up delicious Coastal Mediterranean fusion that draws inspiration from coastal Spanish, French, Italian and Greek cuisines and beyond.

Just a couple of miles east of the Strip, along Spring Mountain Road (roughly between Rainbow Boulevard and Interstate 15), lies the city’s amazing Chinatown, which has grown in leaps and bounds over the past two decades. Here you’ll find the largest collection of Asian businesses in Southern Nevada, including a multitude of authentic Asian restaurants, gift shops, a hair stylist, a reflexologist, home decor, an Asian supermarket and the only Chinese bookstore in Nevada.

At Chinatown’s heart is the enormous and ornate Chinatown Plaza, featuring a colorful, dragon-adorned, Tang Dynasty-inspired gate and gleaming

Read More

—————-

By: Barrett-Jackson
Title: BEYOND THE STRIP: Discover the Cultural Gems of Las Vegas
Sourced From: www.barrett-jackson.com/Media/Home/Reader/beyond-the-strip-discover-the-cultural-gems-of-las-vegas-2023/
Published Date: Fri, 19 May 2023 18:07:14 +0000

Continue Reading

Motor

2024 SCOTTSDALE AUCTION: 1967 Chevrolet Corvette Custom Coupe – No Reserve

269679 Front 3 4 200x133 1 jpg

>

2024 SCOTTSDALE AUCTION: 1967 Chevrolet Corvette Custom Coupe – No Reserve

This red 1967 Corvette custom coupe received a complete custom restoration at Springfield Motorsports in Peachland BC, Canada. The build consists of a completely new jig-mounted tube chassis with C4 corvette front upper and lower control arms riding on coilover shocks and power rack & pinion steering. The rear differential is a custom narrowed 9-inch Ford with aluminum Dale Gerry center section with Wilwood disc brakes on all 4 corners. Filling out the wheel wells are custom offset Fikse wheels.

K&S machine in Kelowna, British Columbia took the 454ci engine and machined it to 496ci it is equipped with Comp Thumper camshaft and 800cfm carburetor and it creates a true hot rod sound through the ceramic-coated exhaust. Lee Baxter upholstery created the one-off hand-stitched red leather interior with a rear storage area. It features Vintage Air, Digital gauges, power windows and a leather-wrapped vintage-style steering wheel.

Read More

—————-

By: Barrett-Jackson
Title: 2024 SCOTTSDALE AUCTION: 1967 Chevrolet Corvette Custom Coupe – No Reserve
Sourced From: www.barrett-jackson.com/Media/Home/Reader/2024-scottsdale-auction-1967-chevrolet-corvette-custom-coupe-no-reserve/
Published Date: Fri, 27 Oct 2023 15:52:01 +0000

Continue Reading

Motor

From Hamamatsu to Lisbon: A Honda CBX 1000 restomod by Unik Edition

honda cbx 1000 restomod 745x497 1 jpg

Honda CBX 1000 restomod by Unik Edition
The Honda CBX 1000 was only in production for four years, but that was enough time for it to leave a lasting impression on the motorcycle industry. First released it in 1978 as a screaming six-cylinder naked superbike, it later faced stiff competition from its stablemate—the equally iconic CB900F. So the Japanese marque redesigned it as a sport tourer, halfway through its tenure.

The updated ‘CBX-B’ had a touring fairing, optional panniers, and Honda’s new-at-the-time Pro-Link mono-shock setup. It was a hair less powerful than before, but that didn’t stop it from becoming a legend in its own right. If you park a CBX and CBX-B next to each other, you could argue that the latter has more presence.

Honda CBX 1000 restomod by Unik Edition

It’s that mystique that prompted the owner of this 1982 Honda CBX 1000 Pro-Link to buy it. Enamored with the fusion of modern technology and ancient traditions found in Japanese cities like Tokyo and Kyoto, he was on the hunt for a classic motorcycle that embodied that philosophy. When he found the CBX, the sheer brutalism of its six-cylinder engine was impossible to ignore.

“In the eyes of this enthusiast, the engine wasn’t just a mechanical marvel; it was the soul of the motorcycle, much like the heart in a human body,” says Tiago Gonçalves, founder of the Portuguese custom shop, Unik Edition. “This revelation laid the foundation for a transformative project, one that would honor the motorcycle’s origins while infusing it with a new identity.”

Honda CBX 1000 restomod by Unik EditionRead More

—————-

By: Wesley Reyneke
Title: From Hamamatsu to Lisbon: A Honda CBX 1000 restomod by Unik Edition
Sourced From: www.bikeexif.com/honda-cbx-1000-restomod
Published Date: Sat, 28 Oct 2023 16:34:54 +0000

Continue Reading

Trending