Never Think About Driving Without Insurance

According to Driver Knowledge, on average, there are more than 6 million car crashed every single year in the United States of America. There are also more than 3 million people who end up being seriously injured in a car crash. Sadly, 2 million people experience injuries that cause them to become permanently disabled for a lifetime. It is very unfortunate that people end up becoming severely injured that they are no longer able to live the life that they once lived. If you do survive an accident, you still must deal with the aftermath of trying to be able to recover expenses and or paying expenses to the person you were responsible for crashing into. Car accidents can happen anytime and any day, without any warning notification. You may even think that you are the safest driver out there, but, that is what everyone thinks and or believes about themselves. Never drive without being properly insured, as you may end up getting into a car accident and will need the proper assistance in recovering financially.

According to ASIRT, there are more than 37,000 people who end up dying in a car crash every single year in the America. There are also more than 8,000 people who are aged 16-20 years old who end up losing their lives in a car accident. Car accidents can be extremely expensive and can cost drivers a fortune in repairs and medical expenses. Many drivers drive without medical insurance every day, leaving themselves vulnerable to high priced hospital expenses and fees to pay if injured. It is important to realize that accidents can occur when you least expect it. You could be driving in close range from your home and end up being in a car accident that can cost you a fortune. What is even riskier, is if you end up getting caught by law enforcement, driving without insurance. In many states, there are strict laws that will force you to pay hefty fines if caught driving without being insured.

Driving without insurance is something that you never want to consider, no matter what the circumstance is. You could put yourself and those you love in a very bad situation. You want to make sure that you are always covered before ever stepping foot behind the wheel. As a driver, having insurance is a part of being your main responsibility. If you are currently without auto insurance, take time to think about all the consequences you could possibly face. If you have decided that auto insurance is something that you must have, you can conduct an online search for: auto insurance oak lawn il. From here you, you should be able to find a list of qualified companies ready and willing to help you with your needs.

Overall, driving without insurance could possibly hurt you financially in the long run. You could be faced with paying someone for years and years, due to getting sued in the court for accident expenses. You could also face jail time if you are responsible for a death in a car accident. Having insurance could help you get a lawyer you need to fight your case.

Continue Reading →

CGL Requirements in Needham, MA

If you are a general contractor in Needham Massachusetts, you need to have contractors general liability insurance or CGL. The law requires that any construction operator have insurance protections in place against personal injury and property damage. CGL protects business risk in the course of construction. Contractors are required to have a current contractor liability insurance needham ma, general liability insurance, contract insurance, commercial auto insurance, umbrella protections if you have multiple companies under a single umbrella, also Workers Compensation Insurance, railroad Insurance, equipment insurance, and any other project or property protection insurance that fall under this category.

Residential and commercial, general contractors, construction managers, design and build firms, specialty contractors, subcontractors, public and private construction projects, all require people and heavy equipment to get their projects completed. They also use heavy automotive equipment like bulldozers, tractors and other automotive equipment vehicles. The law requires that these vehicles are fully insured. You want to be sure that your vehicles are fully covered to avoid costly damages in the event of an accident, that could bankrupt your business.

An accident can range from a driver swerving to avoid hitting an object in the road, slippery or icy roads, accidentally throwing objects from your business vehicle and causing property damage to an adjacent building, or injury to a pedestrian or another driver. Your general contractor insurance can cover multiple aspects of your business including your business vehicles.

What is covered on your business vehicles insurance? Bodily or property damage may include medical or legal expenses resulting from injuries or damage to third parties. Collision which covers accidents that can put your vehicles out of commission. You will be able to repair or replace your vehicle, so you can continue operating your business. Comprehensive insurance protects your vehicles against theft, vandalism, or weather-related conditions.

Your business relies on your ability to keep functional operating equipment. It also depends on your good professional reputation. Customers respect businesses who can provide current insurance information that states they are fully covered in case of an accident. The law requires contractors who are bidding on projects to be legally and fully insured. Neighboring businesses and public licensing commissions depend on responsible licensed professionals to build in their areas.

Adjacent businesses want to be sure that contractors can repair, replace, compensate, and reimburse any damage that their equipment may cause to neighboring structures. It is uncommon for construction workers to operate during inclement weather conditions. If a faulty piece of equipment gets shifted in a windstorm, causes damage to another business structure, it is important to be able to reimburse that business owner for any damages or loss of business incurred from being unable to operate as a result of the damage to their property.

It is important to research the CGL requirements before purchasing insurance. Knowing all of the required components for your business locale will ensure full coverage against liability. It will give you peace of mind knowing that your vehicles and your business are fully compliant with state and local insurance laws.

Continue Reading →