http://www.kciiinsuranceservices.com/blog/View Metro One Insurance Agency LLC's Website Blogen-uspostmaster@www.kciiinsuranceservices.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:b74d3660-43b9-4668-9f81-44c77054e80furn:uuid:f11efa57-ccef-4f93-a263-fc1be92e0bc8<img src='file:///C:\DOCUME~1\WGRIFF~1\LOCALS~1\Temp\msohtmlclip1\01\clip_image001.jpg' align='left' /> Personal Or Commercial Car Insurance: Which Is Right For You? &nbsp; (NAPS)—If, like many Americans, your family car is also used for purposes that could be considered commercial use, you may want to steer yourself into a chair and look over your ...Sun, 14 Jun 2009 21:39:17 -0500<div class=Section1> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><?xml:namespace prefix = v ns = "urn:schemas-microsoft-com:vml" /><v:shapetype id=_x0000_t75 stroked="f" filled="f" path="m@4@5l@4@11@9@11@9@5xe" o:preferrelative="t" o:spt="75" coordsize="21600,21600"><v:stroke joinstyle="miter"></v:stroke><v:formulas><v:f eqn="if lineDrawn pixelLineWidth 0"></v:f><v:f eqn="sum @0 1 0"></v:f><v:f eqn="sum 0 0 @1"></v:f><v:f eqn="prod @2 1 2"></v:f><v:f eqn="prod @3 21600 pixelWidth"></v:f><v:f eqn="prod @3 21600 pixelHeight"></v:f><v:f eqn="sum @0 0 1"></v:f><v:f eqn="prod @6 1 2"></v:f><v:f eqn="prod @7 21600 pixelWidth"></v:f><v:f eqn="sum @8 21600 0"></v:f><v:f eqn="prod @7 21600 pixelHeight"></v:f><v:f eqn="sum @10 21600 0"></v:f></v:formulas><v:path o:connecttype="rect" gradientshapeok="t" o:extrusionok="f"></v:path><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:lock aspectratio="t" v:ext="edit"></o:lock></v:shapetype><v:shape style="WIDTH: 300pt; HEIGHT: 48.75pt" id=_x0000_i1025 type="#_x0000_t75"><v:imagedata o:title="" src="file:///C:\DOCUME~1\WGRIFF~1\LOCALS~1\Temp\msohtmlclip1\01\clip_image001.jpg"></v:imagedata></v:shape></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-SIZE: 11pt">Personal Or Commercial Car Insurance: Which Is Right For You? <o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-SIZE: 11pt"><o:p>&nbsp;</o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-SIZE: 11pt">(NAPS)—If, like many Americans, your family car is also used for purposes that could be considered commercial use, you may want to steer yourself into a chair and look over your insurance policy. <o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-SIZE: 11pt">You’ll need to consider buying a commercial policy or making sure that your existing personal auto policy covers the vehicle for business use. Whether or not you need a commercial policy depends on how you use your vehicle and what company you have it insured with. Every company has different guidelines and may surcharge for business-use coverage on a personal auto policy. <o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-SIZE: 11pt">If you’re not sure whether business use is covered on your personal policy, it’s important to call your insurance company or agent. The Progressive Group of Insurance Companies has put together these four questions you may want to ask: <o:p></o:p></span></p> <p style="TEXT-INDENT: -0.25in; MARGIN: 0in 0in 0pt 0.25in; mso-list: l0 level1 lfo1; tab-stops: list .25in" class=MsoNormal><span style="FONT-FAMILY: Wingdings; FONT-SIZE: 11pt; mso-fareast-font-family: Wingdings; mso-bidi-font-family: Wingdings"><span style="mso-list: Ignore">&#167;<span style="FONT: 7pt 'Times New Roman'">&nbsp; </span></span></span><b style="mso-bidi-font-weight: normal"><span style="FONT-SIZE: 11pt">How do companies determine commercial use?</span></b><span style="FONT-SIZE: 11pt"> One definition could include “engaging in transporting goods for compensation or a fee,” which includes pizza or newspaper delivery, catering, door-to-door consulting services, landscaping or snowplowing services, logging business, day care/church van services or farm-to-market delivery. People who do these kinds of work should consider purchasing a commercial vehicle policy. <o:p></o:p></span></p> <p style="TEXT-INDENT: -0.25in; MARGIN: 0in 0in 0pt 0.25in; mso-list: l0 level1 lfo1; tab-stops: list .25in" class=MsoNormal><span style="FONT-FAMILY: Wingdings; FONT-SIZE: 11pt; mso-fareast-font-family: Wingdings; mso-bidi-font-family: Wingdings"><span style="mso-list: Ignore">&#167;<span style="FONT: 7pt 'Times New Roman'">&nbsp; </span></span></span><b style="mso-bidi-font-weight: normal"><span style="FONT-SIZE: 11pt">Do you need more liability coverage than a personal auto policy provides?</span></b><span style="FONT-SIZE: 11pt"> Generally, a commercial auto policy offers higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks. <o:p></o:p></span></p> <p style="TEXT-INDENT: -0.25in; MARGIN: 0in 0in 0pt 0.25in; mso-list: l0 level1 lfo1; tab-stops: list .25in" class=MsoNormal><span style="FONT-FAMILY: Wingdings; FONT-SIZE: 11pt; mso-fareast-font-family: Wingdings; mso-bidi-font-family: Wingdings"><span style="mso-list: Ignore">&#167;<span style="FONT: 7pt 'Times New Roman'">&nbsp; </span></span></span><b style="mso-bidi-font-weight: normal"><span style="FONT-SIZE: 11pt">Do you need special coverage for situations encountered while conducting business?</span></b><span style="FONT-SIZE: 11pt"> Commercial auto policies usually offer these coverages, and they’re normally not available with personal auto policies. These include hired and nonowned auto coverage and coverage for towing a trailer for business use. <o:p></o:p></span></p> <p style="TEXT-INDENT: -0.25in; MARGIN: 0in 0in 0pt 0.25in; mso-list: l0 level1 lfo1; tab-stops: list .25in" class=MsoNormal><span style="FONT-FAMILY: Wingdings; FONT-SIZE: 11pt; mso-fareast-font-family: Wingdings; mso-bidi-font-family: Wingdings"><span style="mso-list: Ignore">&#167;<span style="FONT: 7pt 'Times New Roman'">&nbsp; </span></span></span><b style="mso-bidi-font-weight: normal"><span style="FONT-SIZE: 11pt">Do you need to list any employees as drivers?</span></b><span style="FONT-SIZE: 11pt"> Commercial auto policies allow you to list anyone that you employ. You don’t have that option with a personal auto policy. In general, you’ll need commercial auto coverage if the vehicle you use is owned by a corporate partnership or driven by employees, or if it’s used to haul tools or equipment weighing more than 500 pounds, make deliveries or heavy enough to require state or federal filings. <o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-SIZE: 11pt"><o:p>&nbsp;</o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-SIZE: 11pt">For more information about commercial auto insurance, visit progressiveagent.com. <o:p></o:p></span></p></div><span style="FONT-FAMILY: 'Times New Roman','serif'; FONT-SIZE: 11pt; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><br style="PAGE-BREAK-BEFORE: auto; mso-break-type: section-break" clear=all></span> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-SIZE: 11pt"><o:p>&nbsp;</o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-SIZE: 11pt"><o:p>&nbsp;</o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-SIZE: 11pt"><o:p>&nbsp;</o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-SIZE: 11pt">Did You Know? <o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-SIZE: 11pt">If, like many Americans, your family car is also used for purposes that could be considered commercial use, you may want to steer yourself into a chair and look over your insurance policy. For more information about commercial auto insurance, visit progressiveagent.com. <o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-SIZE: 11pt"><o:p>&nbsp;</o:p></span></p>urn:uuid:3a0dc7a1-560f-4856-9f4a-65fce070b4b4 &nbsp; Commercial Insurance 101 &nbsp; (NAPS)—If you own a business, it’s important to match the insurance you carry to the company you keep. Doing so can save you time and money down the road. Commercial auto insurance can be especially importan...Sun, 14 Jun 2009 21:38:04 -0500<div class=Section1> <p class=Default><font face=Helvetica>&nbsp;</font></p> <p class=CM3></p> <p class=CM3><span style="COLOR: #221e1f; FONT-SIZE: 16pt"><font face=Helvetica>Commercial Insurance 101<br><br></font></span></p></div><span style="FONT-FAMILY: 'Helvetica','sans-serif'; COLOR: #221e1f; FONT-SIZE: 16pt"><br style="PAGE-BREAK-BEFORE: auto" clear=all></span> <div class=Section2> <p class=Default><span style="COLOR: windowtext"><font face=Helvetica>&nbsp;</font></span></p> <p style="TEXT-ALIGN: justify" class=CM2><span style="FONT-FAMILY: 'New Century Schlbk','serif'; FONT-SIZE: 9pt">(NAPS)—If you own a business, it’s important to match the insurance you carry to the company you keep. Doing so can save you time and money down the road. </span></p> <p style="TEXT-ALIGN: justify" class=CM2><span style="FONT-FAMILY: 'New Century Schlbk','serif'; FONT-SIZE: 9pt">Commercial auto insurance can be especially important, so if you’re not sure what kind of commercial auto coverage you need, you may want to talk with an independent agent who specializes in that particular area. Independent agents work with you to put together a package that provides the protection that’s right for your business. </span></p> <p style="TEXT-ALIGN: justify" class=CM2><span style="FONT-FAMILY: 'New Century Schlbk','serif'; FONT-SIZE: 9pt">“Anyone who owns a business with a commercial automobile needs to have coverage that is appropriate for the industry and the size of the business,” says Brett Stalnaker of The Progressive Group of Insurance Companies. “An independent agent who specializes in commercial auto cover-age can provide business owners with the kind of advice they need to make the right choice.” </span></p> <p style="TEXT-ALIGN: justify" class=CM2><span style="FONT-FAMILY: 'New Century Schlbk','serif'; FONT-SIZE: 9pt">Here are some tips to help you find a commercial auto insurance agent: </span></p> <p style="TEXT-ALIGN: justify; LINE-HEIGHT: 10pt" class=CM3><span style="FONT-FAMILY: 'New Century Schlbk','serif'; FONT-SIZE: 9pt">&#8226; Get objective advice. There are different types of insurance agents. A captive agent represents only one insurance company. Independent agents represent a number of different insurance companies. Independent agents tend to be more flexible, because they can offer coverage options from various companies, increasing your odds of getting the combination of cover-ages, price and service that fits your business needs. </span></p> <p style="TEXT-ALIGN: center" class=Default align=center></p> <p style="TEXT-ALIGN: justify" class=Default><span style="FONT-FAMILY: 'New Century Schlbk','serif'; FONT-SIZE: 9pt">&#8226; </span><span style="FONT-FAMILY: 'New Century Schlbk','serif'; COLOR: windowtext; FONT-SIZE: 9pt">Visit the Web site of a larger insurance company. Web sites such as driveinsurance.com can provide you with coverage option information and a way to find an agent in your neighborhood. </span></p> <p style="TEXT-ALIGN: justify" class=Default><span style="FONT-FAMILY: 'New Century Schlbk','serif'; FONT-SIZE: 9pt">&#8226; </span><span style="FONT-FAMILY: 'New Century Schlbk','serif'; COLOR: windowtext; FONT-SIZE: 9pt">Seek referrals. These can come from professional organizations or other contacts such as other business owners. Chances are, other business owners in your industry can recommend an agent that they’ve worked with. </span></p> <p style="TEXT-ALIGN: justify" class=CM2><span style="FONT-FAMILY: 'New Century Schlbk','serif'; FONT-SIZE: 9pt">One size doesn’t fit all when it comes to business-related insurance. A business that you start in the dining room or garage with just one vehicle can grow to the point where several vehicles are added and you move to commercial property. As your business evolves, your protection needs will most likely change, too. Be sure to check in with your agent periodically to reassess your commercial auto policy. </span></p> <p style="TEXT-ALIGN: justify" class=CM2><span style="FONT-FAMILY: 'New Century Schlbk','serif'; FONT-SIZE: 9pt">To learn more or to start your search for a commercial auto agent, visit progressiveagent.com. </span></p></div><span style="FONT-FAMILY: 'New Century Schlbk','serif'; FONT-SIZE: 9pt"><br style="PAGE-BREAK-BEFORE: auto" clear=all></span> <div class=Section3> <p style="TEXT-ALIGN: justify" class=CM2><span style="FONT-FAMILY: 'New Century Schlbk','serif'; FONT-SIZE: 9pt">&nbsp;</span></p></div><span style="FONT-FAMILY: 'Helvetica','sans-serif'; COLOR: black; FONT-SIZE: 12pt"><br style="PAGE-BREAK-BEFORE: auto" clear=all></span> <p class=CM1><span style="FONT-FAMILY: 'New Century Schlbk','serif'; COLOR: #221e1f; FONT-SIZE: 13pt">Did You Know? </span></p> <p class=CM2><span style="FONT-FAMILY: 'New Century Schlbk','serif'; COLOR: #221e1f; FONT-SIZE: 9pt">According to Brett Stalnaker of The Progressive Group of Insurance Companies, businesses with commercial automobiles need the right type of insurance. An independent agent specializing in commercial auto coverage can help. To learn more or to start your search for a commercial auto agent, visit progressiveagent.com. </span></p>