¿Cómo se calcula una tasa de seguro de propiedad comercial?

junio 4, 2021enero 5, 2023

El seguro de propiedad comercial tiene algunas diferencias muy importantes cuando se trata de cómo se compara con su contraparte residencial. Uno de ellos es cómo se realizan los cálculos para determinar las tasas de seguro y otros factores clave de estructura de póliza y cobertura. A continuación, repasamos cómo se calcula típicamente el seguro de propiedad comercial al observar el...

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¿Qué sucede si otra persona conduce mi automóvil y tiene un accidente?

It's commonly assumed car insurance only applies to the driver, but it typically follows the insured vehicle, so it’s entirely possible that an accident involving someone else driving your vehicle may be covered to some extent by your policy. As for what actually could happen if another person drives your car and gets into an accident, the factors discussed below will determine the answer to this question. The Nature of Your Insurance & Related Coverage According to the Insurance Information Institute, it's not uncommon for car insurance to be considered primary insurance in many states. If this is the case for you, the following types of coverage may help you cover expenses related to an accident that occurred when someone else was driving your car: • Auto liability coverage – This coverage may cover another person's medical expenses or vehicle damage if it's related to the accident, but anything specific to your car or the person driving it wouldn’t be covered. • Collision coverage – If your policy includes this type of coverage, you may get some help paying for repairs to your vehicle. However, you'll need to pay the deductible first. • Medical payments coverage – This type of coverage, if you have it, could also help you pay for injuries the other driver may have sustained, even if he or she caused the accident. Exceptions May Apply Another factor to consider with your car insurance is that there may be exceptions or exclusions that prevent coverage from applying to another driver of your car. For instance, some auto insurance policies only cover anyone specifically named on your policy. For example, if a friend not listed on your policy borrows your car and gets into an accident, he or she wouldn't be covered in this case. Limitations Could Apply Some auto insurance policies provide limited coverage. In other words, the other driver of your car would only be covered if certain conditions are met. For instance, your policy might require the other driver to not have been at fault for the accident. On a related note, the at-fault driver's insurance company would likely be responsible for paying related expenses, and your insurance wouldn't be affected at all. Permissive vs. Non-Permissive Use If the person driving your vehicle was either on your policy already or someone you allowed to drive your car, coverage from your policy may extend to this individual. This is referred to as permissive use. With non-permissive use, the circumstances involved will determine what happens. For example, if a friend or family member drives your car without your permission and gets into an accident, the individual would have to file a claim with his or her own insurance provider. But if that same person doesn’t have insurance, you would have to file a claim with your provider. If non-permissive use involves a thief who stole your car, you would likely not be responsible for related damage and vehicle repairs. Your Premiums May Go Up Lastly, be aware an accident involving another driver of your vehicle could affect your insurance payments. This could also be the case even if the individual had your permission to drive it or if he or she was on your policy. If you need affordable, reliable car insurance, look no further than the trustworthy pros at Altra Insurance Services. We can take care of a variety of your insurance needs, including motorcycle, homeowners, and business insurance as well as surety bonds. Give us a call today at (800) 719-9972 to find out more about our high-quality insurance products and impeccable service.

mayo 28, 2021mayo 21, 2026

Por lo general, se asume que el seguro de automóvil solo se aplica al conductor, pero generalmente sigue al vehículo asegurado, por lo que es muy posible que un accidente que involucre a otra persona que conduzca su vehículo esté cubierto en cierta medida por su póliza. En cuanto a lo que realmente podría pasar si otra persona conduce su automóvil y se sube a un...

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6 artículos que su seguro de automóvil no cubrirá

mayo 24, 2021enero 5, 2023

Aunque hay varios tipos de seguros de automóviles para elegir, ninguna póliza cubrirá todo. Por lo tanto, debe aprender lo más posible sobre la cobertura y elegir según sus preferencias y necesidades. Al considerar sus opciones de seguro de automóvil, los conductores de San Diego deben tener en cuenta las siguientes cosas que...

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¿Cubrirá mi seguro de propietario de vivienda la plomería?

mayo 21, 2021enero 5, 2023

Ser el principal responsable de cualquier cosa que deba repararse o actualizarse no está en la parte superior de la lista de la mayoría de las personas cuando se trata de las ventajas que conlleva ser propietario de una casa. Afortunadamente, las pólizas de seguro para propietarios de viviendas pueden proporcionar una tranquilidad muy apreciada y servir como una red de seguridad financiera igualmente apreciada. Como para …

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¿El seguro de propietarios cubre las unidades de aire acondicionado?

mayo 17, 2021mayo 21, 2026

Los sistemas de CA son costosos de reemplazar y muchas reparaciones comunes pueden afectar rápidamente el presupuesto de mantenimiento de su hogar. En California, tener una unidad de aire acondicionado averiada también puede ser extremadamente incómodo y representar un riesgo para la salud durante el verano si usted es un miembro vulnerable de la población. Aunque las compañías de seguros ofrecen diferentes coberturas de unidades de aire acondicionado, por lo general...

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¿Se considera una camioneta pickup un vehículo comercial?

mayo 14, 2021mayo 10, 2024

Los vehículos ordinarios a veces se clasifican como vehículos comerciales a efectos de seguros. Un tipo de vehículo que puede entrar en esta categoría es una camioneta. El simple hecho de poseer una camioneta no significa que se considerará un vehículo comercial, pero hay algunos factores que pueden cambiar la forma en que se clasifica un vehículo. Esto es lo que necesitas...

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¿Cómo se determinan los requisitos para el seguro comercial?

mayo 10, 2021mayo 21, 2026

Los gobiernos estatales normalmente determinan los requisitos de seguro principal para las empresas. Dicho esto, si tiene un negocio, existen requisitos de seguro que serán específicos para su situación, aunque generalmente se requiere que todos los negocios tengan ciertos tipos de seguro. Aquí hay una mirada más cercana a los requisitos de seguro basados en el estado que se aplican a las empresas también...

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Consejos para mantener un automóvil que no conduce con frecuencia

One thing about cars has never changed over the years: they’re designed to be driven. But if you have a vehicle you're not driving frequently because it's a secondary car or one you simply don't need to use as much anymore, certain problems could develop as it sits. Below, the experienced professionals from Altra Insurance Services, a premier provider of auto insurance San Diego drivers trust for affordable coverage and top-notch service, offer some tips on what you can do to maintain an infrequently driven car. Use a Battery Tender If your car sits unused for long periods, the battery will lose its charge and eventually need to be jump-started in order to function. One way to maintain your car's battery during periods of non-use is with a battery charger or tender. This is a device that maintains the charge in your battery to keep it ready for use. Check Tire Pressure Because tires are slightly porous, they can become flatter when your car isn't being driven. Avoid the possibility of being surprised by uneven or deflated tires by periodically checking the pressure in your tires with a tire pressure gauge. Look inside the doorjamb on the driver’s side to see what tire pressure is recommended. Check Your Brakes for Rust Your car's brakes can develop rust if your vehicle sits outside or in a garage where the climate isn't controlled well. This can happen when there's excess moisture in the air. If a layer of rust does form on your brake rotors, it's easy to remove with a solution that dissolves and removes rust. Regularly check your car's brakes for signs of rusting. Otherwise, you could be surprised by loud or persistent grinding sounds the next time you use your vehicle. Use a Fuel Stabilizer Fuel does go bad. You may have experienced this when starting a lawnmower in the spring for the first time if it contained gas left over from the fall. As fuel ages, it will become thick enough to gum up many of your car’s internal parts. For times when your car is sitting unused, add fuel stabilizer to the tank to keep the fuel in its original state. Cover Your Car when It's Not Being Driven An unused car can, at the very least, gather dust if it's sitting in a garage. However, if your infrequently driven car sits outside, the exterior paint could be affected by bird droppings, pollen, and anything else that could land on it. Avoid the need for a fresh coat of paint sooner than expected by covering your car when it's not being driven. Check the Fluids If your vehicle has been sitting for a while, check all key fluids before you get ready to use it again. The main ones include: • Coolant • Engine oil • Washer fluid Clean It Regularly If you know you'll be storing your car for a while, clean it first. Be especially mindful of any food remnants or leftover trash that may be inside your vehicle. This will keep your car smelling fresh and deter rodents and insects. Regularly Turn the Car On Even for times when you won't be driving your car, regularly turn it on and let it run briefly. Doing so will get the fluids circulating and keep essential components properly lubricated. This is also a good way to keep the battery charged. Following these tips can keep your car in good shape for years to come. It’s also important to protect your car with reliable auto insurance, so reach out to the trustworthy agents at Altra Insurance Services. In addition to auto coverage, we also offer homeowners, commercial, and motorcycle insurance. San Diego residents are urged to give us a call today at (800) 719-9972 for a free quote.

mayo 7, 2021agosto 17, 2022

Una cosa acerca de los automóviles nunca ha cambiado a lo largo de los años: están diseñados para ser conducidos. Pero si tiene un vehículo que no conduce con frecuencia porque es un automóvil secundario o uno que simplemente ya no necesita usar tanto, podrían surgir ciertos problemas mientras está parado. A continuación, los profesionales experimentados de Altra Insurance...

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Pasos para eliminar a alguien de su póliza de seguro de automóvil

From covering a new teen driver or a grown child still living with you to helping out a family member or friend who regularly uses your vehicle, there are many valid reasons to have another driver included on your car insurance policy. However, there are times when it makes sense practically and financially to remove a driver from your auto insurance policy. Here are your options. Get in Touch with Your Insurance Provider A quick and easy way to remove a driver from your car insurance policy is to contact your insurance provider. This process is different with each insurance company and may involve: • Removing the driver via a website or mobile app • Submitting certain requested documentation • Meeting specific requirements Some insurers may not allow you to remove a driver from your policy if it's assumed the individual could still be driving your vehicle even after being removed from coverage. But if the other driver has moved out of your home, obtained his or her own vehicle, or moved out of state, you should be able to remove the individual from your policy. Submit Proof of Other Insurance If a driver still on your policy now has his or her own insurance, your provider may require proof of this coverage. Once you submit proof of other coverage for this individual, you should be able to have him or her removed from your policy. Submit Proof of Change of Residence In some cases, you may wish to remove a driver from your policy if he or she moves out of your home and will no longer be using your vehicle. With situations like this, you'll likely need to provide proof of new residence for the driver you want removed. Such proof could include a utility bill or rent receipt with the address of the new residence on it. Understand Removing a Child from Your Policy Could Be Tricky Statistically, teen drivers are more likely to submit accident claims than adults, so removing a younger driver from your policy could add up to significant savings. However, some insurance providers prevent this type of exclusion, since they require all licensed drivers in a household to be included on the policy. Other providers may charge an annual fee to exclude a teen driver. Even if this is the case, the annual fee is usually much less than what you would save by removing a child from your policy. Remember, the excluded teen driver will still need to obtain coverage if he or she will still be driving. Consider Certain Factors before Removing a Driver from Your Policy Yes, you can be rewarded with much lower premiums when a driver is removed from your policy. However, that person may no longer be able to drive any of your insured vehicles, especially if he or she still lives with you. On the flip side, removing a driver could be beneficial if he or she is a riskier driver. Lastly, know that if you have another driver removed from your policy simply to save money, a single accident that occurs while he or she is driving your vehicle could instantly negate your savings potential. If you need information on any aspect of car insurance, make sure to contact a knowledgeable insurance agent. Whether they need affordable, reliable auto insurance or dependable motorcycle, business, or homeowners insurance, San Diego residents turn to Altra Insurance Services. For high-quality coverage and unparalleled service, reach out to our experienced agents. Call us today at 800-719-9972 to learn how we can help you with all your insurance needs.

mayo 3, 2021agosto 17, 2022

Desde cubrir a un nuevo conductor adolescente o un niño adulto que aún vive con usted hasta ayudar a un familiar o amigo que usa su vehículo regularmente, hay muchas razones válidas para incluir a otro conductor en su póliza de seguro de automóvil. Sin embargo, hay ocasiones en las que tiene sentido desde el punto de vista práctico y económico eliminar...

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¿Qué auto es el más fácil de robar?

abril 27, 2020mayo 21, 2026

Si bien se roban menos automóviles cada año en los Estados Unidos, el robo de automóviles sigue siendo un problema importante. Más de 700,000 vehículos fueron robados en 2018 y, en promedio, más de 2,000 autos son robados todos los días. Todos los conductores deben tomarse en serio este problema, especialmente al decidir qué automóvil nuevo comprar. Algunos modelos son ...

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