Owned

Owned Vehicles



	Why do you need special vehicle coverage?
1	*If you use your vehicle to transport children, you are doing livery.*
		Livery is transporting people for a fee. The fee you charge, if it's not separately accounted for, is assumed to be included in the tuition you charge.
	Most personal auto insurance policies exclude coverage for livery.
		If you have an incident involving children in your vehicle, you may not have any protection.


	Who's Insured?
1	*In California, Vehicle Insurance follows* the vehicle. Coverage is for a vehicle.**
		In California, the registered owner of a vehicle is responsible for the safe operation of that vehicle.
			*Anyone operating your vehicle with your permission* becomes your responsibility.**
			If someone operates your vehicle with your keys, permission is considered to have been given.
2	Make sure your insurance policy names the registered owner of your vehicle as the named insured.
3	Verify that all drivers are properly licensed and listed as drivers.
		Vehicles with a seating capacity over 8 (7passengers + driver) require driver with a class 2 or class B license.
4	Verify that all owned vehicles are listed on your policy
		If Trailers are owned, check if they should be listed too.


What's Insured?
Vehicle Liability
	Vehicle liability coverage protects you if your vehicle is used in a way that causes bodily injury to someone else or property damage to someone else.

Uninsured Motorist Coverage
	Until California effectively deals with its high percentage of vehicles on public roads operating without vehicle insurance, Uninsured Motorist Coverage must be considered.
	*Pays for your and your passengers medical bills and related expenses as a result of an accident in which you were not at fault* and the at-fault vehicle was uninsured.**
		Do You Need Uninsured Motorist Coverage ?
		Employees are covered through your Workers Compensation
		Children are covered through your Accident Policy
		If you are negligent, your Vehicle Liability pays for other people and others' property.
			If You operate the vehicle, You should have this.
	*What is meant by 'not at fault'?*
			Not at fault usually means not negligent. But, the fact that 'not at fault' doesn't always mean 'not negligent' proves how unclear our laws, Court rulings, social trends and the insurance industry are about it.
			Sometimes, people have even had to sue their own insurer to prove they were not at-fault.
		*Some of the ambiguity results from "what is negligence".*
			Contributory Negligence
			Comparative Negligence
			Absolute Negligence

Uninsured Motorist Property Damage
	Pays up to $3500 for damage to your vehicle if an accident was caused by an uninsured vehicle and you were not at-fault.
Medical Payments
	Pays up to its limits per person for your medical expenses and anyone else in your vehicle regardless of legal liability or negligence.
		*Do You Need Medical Payments?*
		Employees are covered through your Workers Compensation
		Children are covered through your Accident Policy
		If you are negligent, your Vehicle Liability pays for other people.
			If You have Health Insurance on you, this is redundant coverage.


Comprehensive
	Pays to fix or replace your vehicle, less your deductible, if it's stolen or damaged by fire, vandalism, flood, earthquake, falling objects, airborne objects or collision with an animal. Damages usually are adjusted based on Actual Cash Value at the time of loss.
Collision
	Pays to fix or replace your vehicle, less your deductible, if it's damaged by upset or collision with a fixed object (a wall), another vehicle, or an object on the ground (other than an animal). Damages usually are adjusted based on Actual Cash Value at the time of loss.
Towing
	Scheduled reimbursement of towing costs.
Vehicle Rental Reimbursement
	Commercial vehicles in California usually are not eligible for this coverage.

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