I bought a small 18' boat to take the family fishing with. My insurance carrier doesn't have boat insurance so, they refered me to Progressive (I will take this up with them later). After 5+ years of never filing a claim and paying them for coverage, I had to file a claim when my throttle lever was jamming and unable to shift.
My boat only has like 25-30 hours on it and gets detailed every time it gets used. Non the less, I took my boat out of the water and towed it to my local repair shop. It turned out that moisture intrusion caused the problem with the gearbox. I know what you are thinking...it's a boat! Well, the fact is that it was mechanical failure as per the troubleshooter, mechanic and supervisor of the shop (authorities in this matter). This is the only reason I filed the claim. Progressive sent their "photographer" and the "non-authority in this matter" decided that it was my personnal fault. First off, I baby my boat and will never think to abuse it. My family and I love using our boat and want it to last. Anyway, almost $1,000.00 to repair my boat. I asked the insurance people we were tossed between if the personnel making the assessment were mechanics or certified to override the decisions of a "certified mechanic". After giving me all the run around, they never gave me a direct answer other than, "you are not going to be covered for this claim". Do I feel ripped off? You bet I do! Am I going to quit this insurance company? You bet I am. Would I recommend this insurance to anyone? You bet I won't. This is the kind of stuff that give insurance companies a bad name...and it should. I plan on making sure everyone knows of what they have done. To override the decision of a certified mechanic who specializes on my specific brand and type of boat. Ridiculous!!
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Sabtu, 04 September 2010
Minggu, 11 April 2010
Landscaping & Snowplow Vehicle Insurance
Progressive’s landscaping insurance includes snow plow insurance for small businesses. Progressive defines landscaping and snow plowing businesses as those earning income by providing landscaping or snow plowing services to residential or commercial properties. They may also earn income by delivering or selling firewood.
Landscaping and snow plowing businesses that typically need work truck insurance include:
* Lawn care installation or maintenance
* Tree trimmers
* Snow removal
* Firewood delivery
Seasonal Landscaping Insurance and Snow Plow Insurance For Small Businesses
In most areas of the U.S., landscaping and snowplowing are seasonal businesses. If your vehicles are stored during the off-season, you'll want to consider a Comprehensive Only policy. This type of landscaping and snowplowing insurance is not only extremely affordable, it saves you the hassle of having to cancel or renew your policy every season. Even better, Comprehensive Only insurance protects your vehicle during the off-season.
Ice Cream Truck Insurance
Progressive can help with insurance for ice cream trucks. Even with safety features such as extra mirrors and a safety arm, operating a moving vehicle loaded with sweet treats around children can be dangerous. That’s why insurance for ice cream trucks can be expensive.
Find out how Progressive’s insurance for ice cream trucks can save you money – and will protect you, your ice cream truck and your young customers. Call toll free at 1-888-806-9598!
More About Work Truck Insurance
Seasonal work truck insurance is often needed by small business that provide landscaping or snow plowing services. Another common seasonal coverage need is insurance for ice cream trucks.
Because your vehicle is often on-site at customer-owned locations, Liability insurance is important insurance for landscapers and for snow plow drivers.
Insurance options like Property Damage Liability coverage pay for damages if, for example, you accidentally scrape a customer's car with your snow plow.
Since you're essentially self-employed, you also may want to consider extra Medical Payments insurance, which can help you pay high-cost medical bills incurred as a result of an accident.
These snow plow and landscaping insurance options are vital to protect your business. Visit the business auto insurance section for a complete list of everything you'll need.
Landscaping and snow plowing businesses that typically need work truck insurance include:
* Lawn care installation or maintenance
* Tree trimmers
* Snow removal
* Firewood delivery
Seasonal Landscaping Insurance and Snow Plow Insurance For Small Businesses
In most areas of the U.S., landscaping and snowplowing are seasonal businesses. If your vehicles are stored during the off-season, you'll want to consider a Comprehensive Only policy. This type of landscaping and snowplowing insurance is not only extremely affordable, it saves you the hassle of having to cancel or renew your policy every season. Even better, Comprehensive Only insurance protects your vehicle during the off-season.
Ice Cream Truck Insurance
Progressive can help with insurance for ice cream trucks. Even with safety features such as extra mirrors and a safety arm, operating a moving vehicle loaded with sweet treats around children can be dangerous. That’s why insurance for ice cream trucks can be expensive.
Find out how Progressive’s insurance for ice cream trucks can save you money – and will protect you, your ice cream truck and your young customers. Call toll free at 1-888-806-9598!
More About Work Truck Insurance
Seasonal work truck insurance is often needed by small business that provide landscaping or snow plowing services. Another common seasonal coverage need is insurance for ice cream trucks.
Because your vehicle is often on-site at customer-owned locations, Liability insurance is important insurance for landscapers and for snow plow drivers.
Insurance options like Property Damage Liability coverage pay for damages if, for example, you accidentally scrape a customer's car with your snow plow.
Since you're essentially self-employed, you also may want to consider extra Medical Payments insurance, which can help you pay high-cost medical bills incurred as a result of an accident.
These snow plow and landscaping insurance options are vital to protect your business. Visit the business auto insurance section for a complete list of everything you'll need.
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