Auto Insurance

Auto Insurance Coverage for Borrowed Vehicles

Do you ever borrow a friend’s car or let someone borrow yours? In either case, you could be liable to pay for any damages or expenses caused by an accident. Understand how auto insurance works for borrowed cars before you borrow or lend a vehicle. Insurance is Specific to the Vehicle When you purchase auto insurance for a vehicle, the coverage stays with that vehicle. Borrow a car, and you also borrow that car’s auto insurance. Likewise, lend your car to someone, and that person borrows your vehicle’s insurance. Your Auto Policy Covers You and Immediate Family Members Typically, auto insurance covers the primary insured, which is usually you, and members of your immediate family who drive the car. It doesn’t cover anyone who doesn’t have your permission to operate the vehicle. So if your child gives a friend permission…read more →

Avoid Five Common Mistakes During Your Springtime Move

Is moving on your agenda this month or in the near future? Spring is one of the most popular times of the year to move. Avoid five common mistakes, though, as you relocate to your new rented apartment or house.  1. Poor Scheduling Because spring is a busy moving season, don’t expect to call a moving or van rental company today for your move tomorrow. Schedule these details at least two months in advance. Start collecting boxes and packing supplies in advance, too, so you have everything you need before the big day. 2. Winging It Do you think you’ll just toss stuff into boxes, pile the boxes into the back of your vehicle and drive to your new home where you’ll unpack? Moving is never that easy. From choosing a moving company to finding a new doctor, plan ahead to ease…read more →

Waking your car after a long winter’s nap

With one of the most brutal winters in recent memory finally loosening its frigid grip, it’s time to think about taking collector cars out of hibernation. If you properly prepared your car for storage, getting it ready for spring should take just an afternoon and some patience. Much of the work will be old hat to experienced collectors. Still, Ernie Morreau, shop foreman at RM Restorations in Blenheim, Ontario, advises a methodical approach to avoid mishaps. “The first steps are to flush the fuel system and check the battery and charging system,” Morreau said. “If you didn’t remove the battery for storage, or didn’t use a trickle charger, there’s a good chance it might be dead.” Once the fuel system is cleaned and fresh fuel added, Morreau recommends doing the oil service, if you hadn’t done so before putting the…read more →

New Driver: Adding a teen to your policy

Parents of teen drivers are often very aware that statistically, our teens are more likely to be involved in a car accident than we are. If you are considering adding your teen drive onto your auto insurance policy it will make a difference what vehicle they are driving. If your teen is planning on their own car, make sure you check with your insurance broker to find out which cars are considered more “high risk” meaning a higher premium. If you are adding your teen as a driver on your primary vehicle you should consider the following: Collision coverage – many of us cancel our collision coverage after we have paid for our vehicles. However, if you are adding a teen driver to your policy, it may be helpful to add this optional coverage. This will help mitigate the out-of-pocket costs…read more →

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