Freight Insurance: A Vital Component For Business For Commercial Trucking Companies
It’s an unhappy fact of transportation companies that accidents happen. This is especially applicable to those who run commercial trucking companies. Commercial trucks are on the road for long stretches at a time, traveling long distances, moving along freeways and surface streets alike, passing and being passed by thousands of other vehicles each trip.
Accidents also happen while a truck is not moving. Drivers need to rest and other trucks or vehicles can hit a commercial vehicle parked in a lot. Theft or vandalism can occur.
And this can be especially problematic if a truck’s cargo (also known as freight) is damaged or stolen. If you own a commercial trucking company, you should seriously look into purchasing cargo insurance, even though you may not be “required” to do so by law.
Freight insurance protects you from liability when the cargo you are carrying is lost or damaged while it’s under your care. If you’re carrying the freight under “common carrier authority” you are required to have evidence on file that you have bodily injury and property damage, as well as cargo insurance. If you have “contract authority” only with the company for which you’re shipping cargo, you’ll need only bodily injury and property damage insurance. (Be sure you have proof of that insurance on file).
Yet here’s a bit of a mystery: The company for which you’re shipping freight ultimately is responsible for the cargo, and should carry insurance itself in the case of theft, loss or damage. But your client may not know that.
So even in the case where you’re not “required” to carry freight insurance, you may want to consider purchasing the insurance yourself. This can help smooth your relationship with your client when the client discovers that he or she ultimately was responsible for the insurance. You can use the fact that you’ve purchased freight insurance as a marketing tool; it can help differentiate you from your competitors.
Purchasing freight insurance will see evaluating the financial exposure brought to you by each individual load. You’ll want to evaluate each load carefully to ensure that you’re adequately protected because under-insuring can prove very damaging to your bottom line should you find that your coverage doesn’t match the damage amount. You’ll also need to double check on any exclusions your freight insurance policy may have. Does it have exclusions for unattended vehicles, for example? What are the maximum theft limitations on freight such as clothing, liquor, electronics, and so on.
Be sure you know what your freight insurance policy covers.
Inexpensive Car Insurance – Get the Best Rates With the Best Companies
Searching for inexpensive car insurance with a top-rated company? Here’s how to find it quickly and easily.
Inexpensive Car Insurance
Finding inexpensive car insurance used to be an overwhelming task. You either had to call a number of insurance companies to get quotes (if they’d even give them to you over the phone), or visit insurance offices and talk to a number of agents to get quotes.
My how times have changed. Now, thanks to the Internet, you can get quotes from A-rated companies, choose the best one, and even buy your policy online all in the comfort of your home.
Best Rates
All major insurance companies have websites where you can get car insurance quotes, but they only give you one quote, or quotes from just a few of their competitors.
Comparison websites, on the other hand, give you quotes from a number of top-ranked companies so you can compare them and choose the best rates. The top comparison sites even have a chat feature that allows you to get answers to your insurance questions online from an insurance professional. (See link below.)
The difference in rates between insurance rates can be amazing. When I recently compared the insurance I got a few years ago to the exact same insurance from company that was reputed to have the best rates in the country, I found my insurance was 0 cheaper. Quite a difference. That’s why it pays to comparison shop.
Best Companies
After you choose a car insurance policy you like, you can check out the company by going to the following websites:
J.D. Power’s Website
J.D. Power (jdpower.com) rates companies based on customers’ overall experience, policy offerings, policy pricing, and insurer contact. This is a good site to see how actual customers like a company’s service, policies, and prices.
Your State’s Department of Insurance Website
All States have a Department of Insurance website and most states list the complaints filed against insurance companies. If your state doesn’t list company complaints, go to the California Department of Insurance website – http://www.insurance.ca.gov – to get this information.
Bottom Line
It only takes a few minutes to find inexpensive insurance rates online, and a few minutes more to find out if the company you choose is reputable. Those few minutes comparing prices and comparing companies could save you hundreds of dollars in premiums and give you peace of mind knowing that your insurer is reliable.
Visit http://www.LowerRateQuotes.com or click on the following link to get inexpensive car insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
Innovative Advertising for Specialty Finance Companies
Since the secondary market for illiquid financial assets was established, specialty finance companies have continuously sought new, innovative methods to inform consumers about their options in dealing with their structured settlements, annuities and life insurance policies. However, developing a marketing approach that is both informative and drives a response from a consumer can be a daunting task. To meet this challenge, J.G. Wentworth, a leader in the industry, has developed a unique advertising campaign that delivers their message in an entertaining manner – using take-offs on classical Wagnerian opera and afternoon game shows.
The commercial opens with a decorated Viking bellowing, “I have a structured settlement I need cash now!” As the music crescendos, the chorus proclaims “Call J.G. Wentworth 877 CASH NOW!” Mal Karlin, President and CEO of Karlin+Pimsler, who linked-up with J.G. Wentworth to create the campaign, notes that the success of the campaign was achieved through addressing three aspects: “The first order of business in TV is getting noticed, then defining the message and finally, having the viewer know what to do.” The success of the new campaign can be attributed to the creativity required to accomplish those three goals consistently.
J.G. Wentworth has experienced an overwhelming positive response from both consumers and the media. The campaign was highlighted during the Media Land segment of Fox Business News. During Fox’s “Money for Breakfast” morning show, Ken Murray, Chief Marketing Officer of J.G. Wentworth, discussed the goals of the new campaign in more detail. He notes, “With this advertising campaign, we wanted to reach out to consumers who may have heard about the secondary marketing of illiquid financial assets and J.G. Wentworth in order to draw their attention to the options that are available to them if they should have a change in financial circumstances and are considering selling their structured settlements or annuities.”
Murray added, “Long-time fans of ‘Mr. Wentworth,’ the iconic ad spokesman J.G. Wentworth has used for more than a decade, should look carefully at the new ads to spot the new role we plan for him in the future.”
Best Car Insurance Companies
Looking for the best car insurance companies? Here’s how to find them.
Best Car Insurance Companies
If you’ve read my previous car insurance articles in EzineArticles.com, you know how to get a great rate on your car insurance. But how do you know the insurance company you purchase your insurance from will be reliable? And how do you know that company will give you good service and pay your claims on time?
Thanks to the Internet there are a number websites that rate insurance companies. Here are four of the best …
J.D. Power & Associates (jdpower.com)
J.D Power & Associates website provides company ratings based on the opinions of people who actually own insurance policies with those companies. Ratings vary from five circles (their highest rating), to two circles (their worst rating).
This site gives you a good idea of how a company treats its customers, prices it’s policies, and pays its claims.
Your State’s Department of Insurance Website
Every state has a department of insurance website, and most states publish a list of complaints that have been filed against insurance companies. Complaint ratios tell you how many complaints have been filed against a company for every 1,000 claims. This is a good barometer of how well a company pays its claims.
If your state doesn’t publish complaint lists you can visit California’s department of insurance website (www.insurance.ca.gov), or New York’s department of insurance website (www.ins.state.ny.us) to get this information.
Epinions (epinions.com)
Epinions publishes ratings and reviews from customers who’ve had dealings with insurance companies. Here you can get the inside scoop on how a company handles its claims and treats its customers.
A.M.Best (ambest.com)
A.M. Best rates insurance companies based on their credit rating and financial strength. These ratings give you a good idea of a company’s ability to pay its claims. Ratings vary from A++ to D.
Best Car Insurance Rate
Visit http://www.LowerRateQuotes.com or click on the following link to get car insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
Getting To Know The Importance Of Auto Insurance Companies ? Online And Offline
Being safe at all times is the top priority of everyone. Being safe not just in terms of simply staying at home, but safety during driving is also included. That is why there are different auto insurance companies out there that are willing to offer their services to most people.
While purchasing a new vehicle, it is normal that the auto insurance is also included for a limited period of time. After that period of time, it is the car owner’s discretion whether he would want to continue and pay for the claims monthly or stop paying for it. Absolutely, there is no way that a car owner would go out and drive his/her car without auto insurance. Actually, there is no need to stick with the old insurance company – there are different options out there just in case people would be deciding to transfer to another auto insurance company.
The roads are becoming more and more dangerous as time passes by. Accidents might occur here and there, and having a damaged car without insurance might cause pain most especially to someone’s budget.
For people who have spare time, they could go and contact one auto insurance company to another and check out the prices including the coverage. An agent might be able to help when it comes to different benefits, and the arrangements can be talked about. However, for busy people, there is no need to frown of these people could not personally go and meet an auto insurance agent. The internet is such a huge place not just for shopping but for different companies offering their services as well. Believe it or not, people can get the chance to avail and purchase their auto insurance just by simply going online.
As a matter of fact, more people are deciding to purchase their auto insurance online. The benefits, coverage and the monthly amount to be paid is almost the same. Some people would say that it is more convenient for them since there is no need to drive all their way to the insurance company and they could do it within the comforts of their own home or office.
Aside from the things mentioned, buying auto insurance online would also let people manage and change their policy online. Most of these companies also accept online payment – which is more convenient since traffic going to the company would not be experienced and there is no need to wait and line up for a very long time just to pay for a claim or simply change the policy.
Whether it is going to be processed online or personally, it is still the decision of the car owner. But, what’s important is to always drive safely and never forget to purchase auto insurance for added safety and security.
With all this in mind, it is important that you get auto car insurance at very affordable rates so check http://www.liveautoinsurancequotes.org/