Preparing for hurricane season 2021

Preparing for hurricane season 2021

Precautionary measures can temper the ravages of these destructive storms

Hurricanes. Just the thought of them can make a person tremble in fear. Whether you’ve experienced a hurricane yourself or you’ve just heard about their destructive patterns, these bad boys know how to make their name heard. The technical definition of a hurricane is a tropical cyclone with maximum sustained winds of at least 74 mph. A major hurricane is a tropical cyclone with maximum sustained winds of at least 111 mph. To put that into perspective, imagine sticking your head out the window of a car as you travel down the highway – that’s the speed of wind you would be up against during a low-scale hurricane. Sound scary? It is. By knowing your vulnerability and what actions to take, you may be able to reduce the effects of a hurricane disaster.

Hurricane season runs June 1 through November 30. Trueway wants to share some tips to ready your home and family prior to a severe storm, may it hit. It’s never too early to:

  • Determine safe evacuation routes inland. Don’t forget about your pets!
  • Learn the different warning signs and alerts to watch for.
  • Meet with those you live with to create an emergency and evacuation plan.
  • Learn locations of official shelters. Red Cross has a great resource that will help you locate shelter in the event of a disaster.
  • Review your insurance policy with your agent. Is your property covered for such an event?

Whether the hurricane threats are immediate or they seem off in the distance, it’s important for all residents of hurricane areas to be prepared and think ahead. Hurricanes can shatter lives as well as damage property. Being prepared can help you, your family or your business minimize the impact of the storm. The best time to start is before the threat is imminent.

Stay safe through these storm seasons! Your safety is number one to us.

Call us today (855) 897-1938 to review your coverage or get a quote

Making Sense of The Best Auto Insurance Policies for Commercial Business

Making Sense of The Best Auto Insurance Policies for Commercial Business

Are you the owner of a business that actively uses vehicles in its daily functions? Finding the right company for commercial auto insurance can be tough. Luckily with Trueway Insurance, we offer the best auto insurance in Lake Worth.  If you find yourself a little discouraged when it comes to what the best auto policies are, our professionals are here to help.

Check Out These 5 Tricks for The Best Auto Insurance

  • Cognizances
    • You’ve got to be mindful of the different kinds of truck insurance.  While there are numerous factors to consider when insuring your truck, commercial vehicle insurance can be broken down into 4 main types:
      • Liability insurance – this is the mandatory insurance which pays for any damage you cause while utilizing your truck.  Driving without this insurance is illegal and may cause heavy penalties.
      • Physical damage coverage – not really a legal requirement, yet this insurance covers your truck against perils like fire, theft, and flood damage.
      • Cargo – this insurance covers the contents you’re carrying. It isn’t really required however some shipping companies will require it.
      • Bobtail insurance – also referred to as non-trucking liability, A term created applying to auto liability i nsurance for an owner/operator after a load has been delivered while your truck is not being used for trucking purposes.

 

  • The Basics.
    • The information you’ll need to acquire commercial truck insurance. Even just getting set up with truck insurance might be a tricky process, though it’ll be a little smoother when you furnish as much information as is feasible. Some insurance companies will give you a quote without having the following information, but they will need proof of this data before you can actually purchase coverage.
      • Your current insurance coverage declarations page.
      • Drivers license numbers and basic driving records of all drivers, including all tickets.
      • VIN numbers of each vehicle, including a rundown of safety and security features on each truck.
      • If there’s any information you simply can’t find, some companies will provide you with a quote based on your estimations. However, the quote will change when they inevitably determine the facts.

 

  • The Factors.
    • The key factors affecting commercial vehicle premiums. To a degree, you possibly can control some of the essential factors which govern your truck’s insurance costs.  The key issues which come into play include:
      • Driving record
      • Garaging location
      • Limit of liability insurance required.

 

  • Methodology.
    • Methods used to save money on commercial insurance. There are a few key do’s and don’ts for saving money on your insurance, but maybe the best recommendation is, to be honest regardless of how tempting it could be to overstate the value of your truck or forget to mention a speeding ticket.  Some truckers even overstate the price of their vehicles hoping that they will get a good deal if anything happened to it. That is not how insurance works. Your insurer will discover just how much it would cost to obtain a comparable replacement. Should you say that your truck is worth more than it is, then you are more likely to over-pay for your coverage.

 

  • ICC (Interstate Commerce Commission) authorities and MC (Motor Carrier) numbers.  
    • You will need to get an MC number from your ICC authority before you ship goods across state lines.  In order to obtain one, your bodily injury and property damage insurance coverage will need to meet the prerequisites based on weight and class of your vehicle as well as the loads you’ll be carrying.
      • For vehicles with a Gross Vehicle Weight rating of 10,001 pounds or higher:
        • $750,000 for general, non hazardous commodities.
      • $1,000,000 for hazardous freight except for class A and class B explosives.
      • $5,000,000 for class A and class B explosives.
      • Non-hazardous freight under 10,000 lbs requires a $300,000 minimum.

 

Call Us About Commercial Auto Insurance Today

Trueway Insurance is an insurance company located in Lake Worth. We offer the best auto insurance and commercial auto insurance quotes. This includes those looking for cheap car insurance. We are here to provide quality for our customers because we believe in the power that insurance can have in any person’s life. If you are interested in learning more about what we can do for you or you have further questions regarding notaries and how they play a part in the insurance process, contact us. We hope you find the information you need here but if not please give us a call at (561) 318-5540.  Get an auto insurance quote today!

The 5 Biggest Car Insurance Myths Out There

The 5 Biggest Car Insurance Myths Out There

Dealing with car insurance can get a bit tricky, especially when you are not really familiar with how it works. But do not be fooled. The experts at Trueway Insurance are here to make sure you are fully informed with precisely what is going on. We are a business car insurance company you can trust. We offer affordable insurance for people all across Palm Springs.

 

What Are The Myths

Stay ahead of the same. Our professionals want to make sure you are aware of the following myths:

  • You can only shop for car insurance when your current policy expires.
    • Many consumers do not realize that they are not bound to their auto insurance coverage for the full term. The insured can cancel at any time, subject to fees that vary by carrier. In many cases, the carrier will charge a 10% fee on any unused premium. As a simple example, if you cancel after three months of coverage on a $600, 6-month car insurance policy, then you may be subject to a $30 fee. You should compare any fees with the potential savings you could get by switching your auto insurance coverage.

 

  • Working with a direct company is always cheaper than going through a local agent.
    • While it is true that direct companies save money on costs by not incurring agent commission fees, this does not necessarily mean the savings will be passed on to you. Many direct auto insurance carriers will use those savings to spend more on marketing their brand and product. Without the benefit of local agents marketing for them, direct carriers may need to spend a bit extra to create awareness for their brand. In addition, pricing algorithms of car insurance policies are incredibly dynamic and, as a result, there will be a large range in price for any single individual. As long as you are comfortable working with both a local agent and a direct carrier, it is always best to shop all available policies. CoverHound offers you the ability to shop both kinds of coverage while indicating a preference if you have one.

 

  • If your friend borrows your car, then your vehicle is not covered against damages.
    • In most cases, this is simply not true. Comprehensive and collision coverage will provide protection against any damages to your vehicle, regardless of the driver. However, if you explicitly excluded this friend from your auto insurance policy, then damages would not be covered. You should also note that any claims made could result in an increase in your Car Insurance premium. CoverHound helps educate you about the various types of coverage to make sure that you select the one that best fits your needs.

 

  • Auto insurance rates automatically go down when you turn 25.
    • Age is an important variable in pricing models. Like any other variable in the pricing model, age is used to predict the likelihood that the insured will make a claim. While people under 25 are statistically more likely to get into an accident, each company handles the impact of age on the price of the policy differently. There is no hard and fast rule that once you turn 25, the price of your car insurance will decrease. Some carriers may offer a pricing break at 21, 23, or 30. There are a variety of other ways to receive discounts on your policy such as bundling a Homeowners or Renters policy with your auto coverage, paying your premium in full, or even choosing to receive paperless billing. It is important to check with each insurer on discounts you can qualify for when shopping for a new policy.

 

  • Comprehensive coverage covers theft of your vehicle and all items contained within.
    • Comprehensive coverage on your auto insurance policy only covers items physically attached to your vehicle. This may include your car stereo or GPS device if it is factory installed. For coverage on items contained in your cars such as iPods, clothing, and compact discs you will need Homeowners or Renters coverage. Many of CoverHound’s carriers and agents make it easy for you to add such coverage when shopping for your auto insurance policy. Be sure to inquire with them if you are interested.

 

We Offer Business Car Insurance

Trueway Insurance has been providing excellent services to the community since 2012. Our goal is to establish a lasting relationship with our clients, this can only be achieved by providing reliable services while saving thousands of dollars in your auto, home, and business insurance.

 

Call Today For Affordable Insurance

Trueway Insurance is an insurance company located in Palm Springs. We offer affordable insurance for home, car, among others. Ask us about our business car insurance. We are here to provide quality for our customers because we believe in the power that insurance can have in any person’s life. If you are interested in learning more about what we can do for you or you have further questions regarding notaries and how they play a part in the insurance process, contact us at Trueway Insurance today.

Who Needs Commercial Insurance For Business Vehicles?

Who Needs Commercial Insurance For Business Vehicles?

You run a successful company. You also have many employees using company vehicles for business-related tasks. A question you may be wondering is whether or not these vehicles need commercial insurance. The experts at Trueway Insurance are here to give you all the answers you are searching for. We are experts in commercial auto insurance, Palm Springs.

 

What Insurance Is The Right Insurance?

Commercial auto coverage is recommended if you use your vehicle for a significant amount of business activity. Do not rely on your auto insurance to cover your vehicle or commercial fleet. Our professionals in commercial auto insurance can help you understand your options for commercial auto insurance.

 

First thing’s first,  what is commercial auto insurance? Commercial auto insurance has the same basic coverage as personal auto insurance, with some added protection for your business. It includes:

  • Property damage pays for damage to another person’s vehicle in an accident caused while you or an employer is driving for business purposes.
  • Bodily Injury covers medical expenses for third parties injured in an accident caused by you or an employee.

There are many other types of commercial auto insurance, and you may be able to get discounts for multiple vehicles. Ask your Main Street Independent Insurance representative about comprehension, collision, underinsured motorists, and other policies.

 

So Who Needs Commercial Insurance?

Anyone who has a business and uses a truck, van, or car for business purposes should consider commercial auto insurance. If you have a sizable fleet of company vehicles, you need commercial auto liability insurance.

 

Auto coverage is required for all vehicles in Florida. However, if your business requires CDL operators, you are required to have additional coverage. This might include motor carriers, freight brokers, and forwarders.

 

Additionally, any vehicle transporting goods or passengers across state lines is mandated by federal law to have liability insurance.

 

We Are The Best Out There

Trueway Insurance has been providing excellent services to the community since 2012. Our goal is to establish a lasting relationship with our clients, this can only be achieved by providing reliable services, while saving thousands of dollars in your auto, home, and business insurance.

 

Meet Jose Lamazares. He has been in the real estate services business in the Palm Beach Gardens, West Palm Beach, and Wellington real estate markets for many successful years, and will be here for many more. This longevity and confidence comes from my real estate services to a great many buyers and sellers, and their recommendations to others that result in repeat and referral business that keeps me productive and successful.

 

Contact Us Today

Trueway Insurance is an insurance company located in Palm Springs. We offer affordable insurance for home, car, among others. We have all the information regarding commercial insurance. We are here to provide quality for our customers because we believe in the power that insurance can have in any person’s life. If you are interested in learning more about what we can do for you or you have further questions regarding notaries and how they play a part in the insurance process, contact us for commercial auto insurance.

Commercial Auto Insurance – What You Should Know

Commercial Auto Insurance – What You Should Know

Commercial auto insurance is critical for some businesses, but it is important to truly understand what it is and what it’s good for. Trueway Insurance in Palm Springs can explain this more thoroughly. We are an auto insurance company that understands the diverse needs of our clients. By learning more about commercial policies, you can determine if they are right for you and your business.

 

What is Commercial Auto Insurance?

 

Commercial auto insurance is meant for vehicles that are used for business. It can also cover vehicles that simply fall outside the range of regular personal auto insurance. For those who have vehicles that are used specifically for business or they have personal vehicles that they also use for business purposes, commercial coverage is necessary. Additionally, if you deliver goods or allow your employees to use your personal vehicle to conduct business, commercial coverage can be beneficial.

Do I Need It?

 

The fact of the matter is that personal auto policies are not made for business purposes. They do not anticipate the added risk that comes with using a vehicle for commercial purposes. In addition to this, many personal policies violate the use of a vehicle for commercial purposes. This means that if you do use your vehicle for commercial purposes under a personal policy, you may be violating the terms of your policy. What this means is that if you are in an accent, your claim can be denied even if you were using the vehicle for personal use at the time of the incident. Overall, it is best to consider commercial insurance if you are using your vehicle for business more than three times a month.


Who Doesn’t Need It?

 

Certain businesses do not benefit from commercial coverage. Typically, these are the businesses that do not require much use of the vehicle. If the business that you are operating is not your main source of income and it is not increasing your mileage substantially, then a commercial policy may not be for you.

 

Certain businesses may have to transport clients regularly. For instance, real estate agents may take their clients to properties in their personal vehicle. However, they still will likely not require commercial coverage. On the other hand, taxi drivers and other businesses that revolve around transportation will need the coverage.


Finally, if you are only using your vehicle to commute to and from your workplace, you likely do not require a commercial policy.

 

Commercial vs. Personal Auto Insurance

 

There are certain things that your commercial policy will cover that your personal one will not. For instance, commercial policies pay for any vehicles that you may need to rent if the one that you have is not operable. It also pays in the event that you or your employees have to drive a vehicle that you do not own.

 

Contact Us

Trueway Insurance is located in Palm Springs. If you are interested in learning more about what insurance policies we offer and how we can help you, contact us today.

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