Month: November 2022

Do I Need Commercial Auto Insurance as an Uber Driver in California?

Posted on by agentinsure

If you’re contemplating becoming an Uber driver in Pismo Beach, CA, you must consider commercial auto insurance. The short answer is yes—all Uber drivers in California are required to have commercial auto insurance.

Why Commercial Auto Insurance is Required for Uber Drivers in California

In order to Uber in California, you must have commercial auto insurance—this is non-negotiable. This is because personal auto insurance policies typically exclude coverage for business-related activities. So, if you were to get into an accident while driving for Uber, your personal auto insurance policy would likely not provide any coverage.

This would leave you on the hook for any damages or injuries resulting from the accident, which could end up costing you thousands of dollars. To protect yourself financially, ensuring you have the right insurance before driving for Uber is essential.

Your Neff & Associates Insurance Services Inc representative can help you get the right commercial auto insurance policy in place so that you can focus on driving in Pismo Beach, CA, and earning money—not insurance.

What Kind of Coverage Do I Need?

The level of coverage you’ll need will depend on a few factors, including the state in which you’ll be driving and the size of your vehicle.

You may also consider getting uninsured/underinsured motorist coverage, collision, and comprehensive coverage. These coverages will help protect your vehicle if it’s damaged or stolen.

Remember that your commercial auto insurance policy will probably be more expensive than your personal auto insurance policy. However, it’s important to remember that the peace of mind and financial protection that comes with having the right insurance is well worth the additional cost.

Besides commercial coverage, you still need to maintain a personal auto insurance policy. Your commercial policy will not cover you when you’re not working or if you use your vehicle for personal reasons.

Your Neff & Associates Insurance Services Inc representative can help you understand the coverage and customize a policy that meets your needs.

Will condo insurance pay for the repair of my front door?

Posted on by agentinsure

Condo insurance, like homeowners insurance, provides protection and coverage for many things. However, it can be confusing when understanding what’s covered and what’s not. Neff & Associates Insurance Services Inc can take the confusion out of understanding condo insurance for Pismo Beach, CA residents. 

What is Condo Insurance?

Condo insurance is also referred to as H06 insurance. This insurance covers legal liability and much more. A condo insurance policy can cover damage to the interior of your condo unit, your personal items, and even living expenses. However, condo insurance is only designed to cover the interior of your condo unit. The condo association covers the exterior of your condo unit. As a result, who covers what can be confusing when determining how to get something fixed.

Will Condo Insurance Pay for the Repair of my Front Door?

As a condo owner, your condo association may be responsible for repairing your door, depending on how it was damaged. If the damage fits the condo association’s coverage guidelines, your condo association will repair it. However, your condo insurance may cover the repair of your front door if the damage is within the covered policy guidelines. You’ll likely need to speak with the condo association and your condo insurance company to determine who’s responsible. Conversely, if your front door is damaged due to negligence, you may have to pay for the repair of your door out of pocket. Likely, the damage may not be covered under the condo association’s policy nor your condo policy. If you have questions about condo insurance, call us. We’d be happy to help you explore the benefits.