Month: January 2009

Auto Insurance Friend: Commercial Auto Insurance Broker

If a company operates one vehicle or has a fleet of vehicles it is imperative that the company operates under a commercial auto insurance policy. This is important because if the vehicle is involved in an accident it helps to protect those who may be involved in the accident or the driver themselves. In addition, by having commercial auto insurance, the policy is written so that the company s assets are protected as well.

In addition, if looking for a competitive bid from any insurance company that provides commercial auto insurance policies it s often best to get professional help in securing a policy. Often, many companies choose to utilize the services of a commercial auto insurance broker to help them find the best policy at the best rate.

Therefore, before actually securing a commercial auto insurance broker, it is first important to know what commercial auto insurance is and what a policy may cover. In addition, it is important to know how to go about finding a commercial auto insurance broker.

What Is Commercial Auto Insurance?

Commercial auto insurance is the same type of protection that is offered to individuals who have non-commercial auto insurance. Specifically, that automobile insurance covers loss if an accident occurs with a motorist who is uninsured, comprehensive insurance, medical insurance, collision insurance, etc.

However, the major difference between the two is generally cost. That is because commercial auto insurance takes into account a number of factors not associated with private individual automobile insurance. Some of those factors include the fact that generally commercial auto insurance is designed for the coverage of multiple vehicles. In addition, because the vehicles used are business related it stands to reason that they are on the road more often. Therefore the chances of being involved in an accident increase proportionately.

How To Find A Commercial Auto Insurance Broker

Since the cost can be a major factor it is important for a business to negotiate the best rate when obtaining a commercial auto insurance policy.

One of the best ways to accomplish this goal is to secure a commercial auto insurance broker. A commercial auto insurance broker is an individual who doesn’t represent any one particular insurance company, but serves the customer by brokering the best deal for their client.

Often the client expects cheap commercial auto insurance. However, the commercial auto insurance broker would not be doing there job well if they simply brokered the cheapest price. A quality broker will negotiate the best price based on the needs of their client, safety driving measures observed by the company, safety record, etc.

Using The Do It Yourself Divorce Form

If you and your soon to be ex spouse are able to agree that the divorce is over and that it is time to move on, then you may be able to use a do it yourself divorce form to get everything rolling. This would have to be a no fault divorce form though because a fault divorce is something a lot more complicated and generally requires the assistance of an attorney. The do it yourself divorce form is something that you can pick up for free and have it filled out in no time.

5 Figure Day!

If you and your spouse are fighting and there is joint marital property that is being fought over, then the do it yourself divorce form may not work out as well. You can legally defend yourself in court at any time but in cases where you are fighting over such things as children and property, it is probably not all that advisable. This is when you would want to steer clear of using any do it yourself divorce form. While they can be used in messy divorce matters, the whole thing is just easier with an attorney if things are getting bad.

Finding The Right Papers

When it comes to wanting to find the do it yourself divorce form on your own, there are two basic ways to go about it. The easiest one is to search online and then download a free version of the do it yourself divorce form. Be careful though as you will find that there are many people out there who are willing to try and take your money for a do it yourself divorce form that you can download for free on the Internet. Do your best to avoid those sites, as they are nothing more then a rip off and a scam.

Another way to end up with the free do it yourself divorce form is to make a few phone calls to your local county courthouse. Unless you know the specific name of the divorce office you may find that you get transferred around a little but once you are in the right spot you will be able to get everything you need. Feel free to ask for a free copy of the do it yourself divorce form and any other papers that you will need. Also make sure to ask about the filing procedure so that you can be completely prepared for what to expect.