Driving for a Ride-Share Company? Get Auto Insurance First

At Alliance Insurance Services, each of our clients receives a customized quote for the specific type and amount of coverage they need. That’s because the way you use your car is unique. Ride-share services, such as Uber and Lyft, are opening the door for average vehicle owners to earn a bit of money in their spare time. However, if you decide to use your vehicle for this type of purpose, you’ll need to work closely with our team to ensure you have the right type and amount of auto insurance.

What Type of Auto Insurance Do You Need?

As a rideshare driver, you will need to have an auto insurance policy that covers you, as the driver, and the vehicle. Most often, ride-share companies require you to maintain at least the state minimum requirement, but sometimes more, in order to work with them. Your coverage should include ample liability protection. If a passenger is hurt while in your vehicle, he or she may sue you for the losses. A standard auto insurance policy may not offer enough protection.

As a business investment, you may also wish to improve the amount of collision damage and property insurance you carry on your vehicle as well. Our team will help you to estimate the best possible level of coverage for your unique needs.

Get the Quote You Need for Fort Collins, CO

When you contact the agents at Alliance Insurance Services, our team will work closely with you to help you keep your vehicle protected if you plan to begin providing services as a ride-share driver. If you live in or around Fort Collins, CO, contact our team today to learn more about a customized auto insurance plan that can help you to save money on the road.

 

Two Ways To Maximize Your Insurance Claim

Nobody wants to have to file an insurance claim. In Colorado, there are various hazards that can cause damage to your home, like flooding, wind, and extreme cold. Even if you are as prepared as possible for these things, you could undergo some damage. Your insurance is on your side overall in this situation, but they are still going to protect their bottom line as much as possible. If you want to get the highest amount possible for your insurance claim, here are two tips to help you. 

Make Temporary Repairs – While you are waiting on the settlement amount on your home, make the necessary temporary repairs. The small fixes could be things like patching the roof, replacing a window, or fixing something in your HVAC system. If you don’t make these repairs, your insurance company could say that these things being ignored caused extended damage to your home and not the incident itself. 

Hire a Public Adjuster – An adjuster is who decides the damage value during a claim. Your insurance company will send one of their own, but you should hire a public adjuster, an adjuster who is hired directly the claimant. The insurer’s adjuster will have their best interests in mind and will offer you the lowest amount that they think you will accept. Your public adjuster understands the strategies implements by insurance companies and can counter them to get you the best deal. The cost of a public adjuster is usually covered by the increased amount that they get for you. 

By following these two tips, you will greatly help your chances of maximizing your home insurance claim. One provider of home insurance in Fort Collins, CO, Alliance Insurance Services, provides home insurance in that area. Call an insurance company today to ensure that you have the appropriate amount of insurance.