Frequently asked questions about coverage:
1. I deliver pizza .Does my personal auto insurance cover me while I am
driving for the pizza company?
NO. A personal auto policy is designed for personal use
2. I am a carpenter and drive my vehicle to work or the job site every
day. I carry my tools with me. Does my personal auto policy cover me? What
about my tools?
Yes it will if you have been charged for business use and
there are NO logos on your personal vehicle. If you have company logos on your
personal vehicle you need to purchase a COMMERCIAL VEHICLE program. Your tools
are an extension of business property and would not be covered.
3. I traded vehicles or I purchased a car to add to my program last
night. Am I covered?
Yes but only the like coverages that have already purchased
would transfer up to 30 days from the purchase date. You have that long to let
your insurance company know about the change request.
4. I have other
drivers residing in my home. Is it ok to
allow them to use my auto?
Licensed drivers who live in your household must be listed as
drivers on your policy and paid for to be covered or must be specifically
excluded by your signature. Licensed drivers who do not live with you but have
your permission to use your auto are covered unless specified differently by
your policy language.
5. Are my aftermarket body, wheels, video and audio items covered?
Unless specifically listed as additional items and charged
for the base policy will cover the cost of factory installed items depreciated
for actual cash value only. We recommend you discuss this with your FOCUS
@Focus Insurance Group 2010
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