Monthly Archives: December 2018

The Importance of Understanding Why Your Business Needs a Driving at Work Policy

Personal auto insurance policies are intended to cover the individual for their personal driving vehicles. Some policies, however, may cover business expenses such as commuting a short way to meet clients. Most personal auto insurance companies, however, do not cover business driving. This because it is riskier and may violate the terms of the policy and for that reason, it is best to consider getting a business auto insurance policy.

What Kind of Auto Insurance is Needed for the Business?

If a business owner makes multiple commutes a day, transports people or products, or is in the sales business there are two types of auto insurance to consider.

  • Commercial Auto Insurance- Effective for when a business owns the vehicle and/or if the individual uses his or her own vehicle for work.
  • Hired and Non-Owned Auto Insurance- This type of insurance covers vehicles that are used for the business but are not owned directly by the business. Vehicles may include employee-owned vehicles that are used on company time or that are rented for the business.

Along with having separate business from personal auto insurance, it is important to have a business driving policy. Understanding Why Your Business Needs a Driving at Work Policy can reduce claims and increase safety for the employees involved.

Writing a Policy

Listed below are a few tips of what to include within the policy to ensure a clear understanding.

  • The company vehicle shall be used for only the business and never for personal use unless specifically authorized. Should the employee have authorization for personal use, only the employee is to use the vehicle.
  • The driver and the passengers will wear safety belts at all times.
  • Cell phone, smart-phone or mobile radios are strictly prohibited while operating a “moving” company vehicle. Should the driver receive a call, they are to pull over and park prior to answering the phone or replying to any messages received.

Safety in Mind

Driving to and from work involves a risk for both the driver and any surrounding drivers or pedestrians. While employers cannot control roadway conditions, they can promote safe driving behavior. Having an official company driving policy shows both the employees as well as the insurer that matters are taken very seriously.

Preparing To Build A New Home

In the Virgin Islands, consumers who approach the purchase of a new home with a plan reduce common issues. The transaction is complex on its own and could become confusing for some buyers. A financial advisor helps potential home buyers choose a better plan for buying a new home.

Accumulating the Right Down Payment

The financial advisor reviews the expectations of the consumer for the new home. First, the consumer’s credit score is reviewed. If the consumer is a first-time buyer, the advisor could also find an option to eliminate the down payment. However, the consumer must have an adequate credit score to qualify for their preferred mortgage loan program.

Choosing a Lot for the New Home

When buying a new construction property, the buyer has two options. They could purchase a newly-completed property or build a new home. If they choose to build, the first step is to find a lot that will accommodate the home they want. When choosing a lot, the potential homeowner must determine if the lot is managed by a homeowner’s association. Certain rules and bylines are imposed by a homeowner’s association.

Reviewing the Full Cost by Floor Plans

When building a new home, the consumer must choose a floor plan available through their preferred builder. The total cost of the new construction is based on the price of the lot and the floor plan chosen. The buyer can control their expenses by making certain changes to the floor plan.

Insurance Requirements and Emergency Repair Funds

Homeowner’s insurance is required for all properties that are financed through a mortgage loan. Flood insurance is needed if the property is situated in a designated flood zone. In addition to these costs, the homeowner incurs all expenses if an issue arises that isn’t covered by an insurance policy. For this reason, the financial advisor could help the consumer set up an emergency repair fund.

In the Virgin Islands, a new home purchase requires the right plan. Buyers who break down the real estate transaction into steps could reduce issues. When buying a new home, the buyer must accumulate funds for a down payment and evaluate all related costs carefully. Home buyers who need to create a better plan contact Cane Bay Partners right now.

Distracted Driving Is One of the Leading Causes of Car Accidents

Car accidents happen with little to no warning and they can leave behind great devastation. Although there are various reasons for car accidents to occur, one of the most common reasons is distracted driving. Today, drivers have more distractions than ever before with cell phones. When a driver is distracted, they cannot pay proper attention to the road and other drivers and could end up causing a serious accident.

Injured Victims Need Legal Help

When someone is seriously injured in an accident that was not their fault, it is their right to seek help from a Car Wreck Lawyer. Getting help from a lawyer assists injured victims in overcoming the obstacles that could try and prevent them from being able to get a fair outcome.

If someone has been injured because of a distracted driver, seeking legal help is one of the first steps they should take. Holding the negligent driver responsible is a must for being able to get a fair outcome. One of the biggest reasons for hiring a lawyer is getting help in dealing with the insurance company.

When an insurance adjuster knows there is no lawyer present, they are more likely to offer a lower settlement because they do not fear being taken to court. When a lawyer is hired, the lawyer works to hold the insurance company accountable and make them pay what the injured client is due. When the insurance company is not being fair, the injured individual has the right to seek fair compensation via a lawsuit.

How to Get Started

Those who have been injured in a car accident need to first seek a consultation appointment with the lawyer. Many injury lawyers offer free consultation appointments, so injured victims do not have to stress over the costs of seeing the lawyer.

Once the lawyer is hired, they will begin the process of investigation and gathering evidence. They will pursue the insurance company and prepare for a lawsuit, should it become necessary. If you have been seriously injured in an accident that was the fault of a distracted driver, make sure you seek legal help today.

Employees want to know what’s your company policy for vehicles?

Numerous employees across the country need to drive vehicles as part of their job in addition to driving to and from the office. Companies are increasingly looking to create official policies surrounding the use of either personal or company-owned vehicles by their employees to protect both the company and employees from any potential problems. But, before drafting a plan, employers need to understand the potential liabilities related to having employees drive vehicles for work. Keep reading to learn more about what a vehicle policy includes and why an organization should consider adopting an official vehicle policy.

Vehicle Policies Defined

A company vehicle policy, simply stated, is a manual that addresses all policies and procedures around employees’ use of personal or company vehicles during official work duties. This includes which employees are eligible for company-owned vehicles, personal conduct requirements for operating the vehicles, and driver liability and responsibility requirements. For company-owned cars and trucks, make sure to include a statement about the purpose of the vehicles, driver eligibility, maintenance requirements, usage guidelines, fuel policy, mobile phone usage, safety expectations surrounding usage of cell phones, seat belts, and airbags, as well as the procedure if there are any theft, vandalism, or accidents. For personal vehicle use, make sure to address any insurance requirements, safety policies, and reimbursement rates and procedures.

Why Adopt a Vehicle Policy?

Like heavy machinery, vehicles can cause significant damage and even death when misused. If an employee is using a vehicle as part of their official job duties and causes a severe accident, the employee usually is included on any legal action. Having a formal policy in place can help to limit any exposure a company could face. However, this only works when an official policy is in place and is enforced with employee disciplinary action when needed. Additionally, employers need to make sure they have adequate commercial vehicle insurance for any company-owned vehicles, as well as an added non-owned auto liability endorsement to protect their assets in case an employee is involved in an accident while conducting company business.

In Closing

Employers are learning that it’s best to have a written official vehicle policy for their organizations to minimize confusion and clearly state rules and responsibilities for employee’s who use either company or personal vehicles in an official capacity. So reader, what’s your company policy for vehicles?

Defendants Need to Meet With Aric Cramer to Get Legal Advice

One of the first things a defendant needs to do after getting arrested is to seek help from Aric Cramer. He is a defense lawyer that helps individuals face their charges with a strong defense. Knowing what to expect from these services helps defendants to face their fears regarding their arrest without feeling overwhelmed. Hiring a defense lawyer takes away the uncertainty and offers great peace of mind.

What to Expect

To get started, the individual needs to schedule a meeting with the lawyer. Many lawyers, Mr. Cramer included, offer free initial consultations to help defendants understand how they can help. It is wise for individuals to take advantage of these offers so they can receive legal guidance and support.

During this meeting, the defense lawyer will discuss the charges that have been brought against the individual and the likely penalties they will face if found guilty. It is imperative the individual provides as much information as possible so the lawyer will be equipped to help. When the lawyer is hired, they go to work on investigating the charges brought on their client and work to gather crucial evidence that will be used to defend those charges.

Having a lawyer working on the side of the defendant means having an aggressive advocate that will work to protect the rights of their client through the entire process. The goal of the lawyer is to get the best possible outcome for their client. With a strong defense, the defendant is more likely to be able to get the outcome they hope for.

Should a guilty verdict be returned, it is important to note, the defendant has the right to appeal the decision. Having a lawyer through the appeal’s process is especially important.

Schedule a Consultation

If you are facing criminal charges and would like legal help, visit the website so you can learn more. Call the office today and they will be happy to schedule your free consultation appointment so you can learn more about your legal options. With the help of a defense lawyer, you can rest assured your case will be in good hands.

The Accident Aftermath: Signs It Is Time to Hire a Car Accident Attorney

Some people get so used to driving on the roads in their area that they forget all about the dangers on them. Each year, thousands of people are involved in car accidents. These accidents tend to do a lot of damage to both a person’s car and their body.

In situations where a person is injured in one of these accidents due to no fault of their own, filing a lawsuit may be necessary. Trying to navigate through the complicated legal system can be difficult for a person with no previous experience. Here are some of the signs a person may notice when it is time to hire an Auto accident attorney.

The Injuries Sustained in the Accident are Serious

Dealing with a few scrapes and bruises following a car accident is pretty standard. If a person has injuries that are relatively serious, it can prohibit them from working and providing for their family. In situations like this, a person will need to find an attorney to help them out.

One of the first things an attorney will do when meeting with a potential client for the first time is take a look at the accident report. This report is provided by the members of law enforcement who worked the wreck. It will usually provide details about who was at fault for the wreck, which can help a lawyer greatly when trying to build a case.

The Insurance Company is Already Calling

Usually, an accident victim will hear from the other driver’s insurance company shortly after fault has been established. If the insurance company knows their client was responsible for the accident, they will generally want to settle out of court.

Before settling, an accident victim will need to seek out an attorney’s help. These legal professionals can help a person get the reasonable compensation they deserve.

Finding the right attorney to help in these matters will be much easier when scheduling a few consultations. For years, Alex R. Hernandez Jr. has helped accident victims get the money they deserve. Give him a call today to find out more about the help he can provide.