Understanding the Importance of Reviewing Your Auto Insurance Policies

Have you reviewed your personal and commercial auto policies recently? The expert team at Giles & Iten Insurance serving the Surprise, AZ area encourages you to take a look at your policies, especially if you have a business.

What is Personal Auto Insurance?

Personal auto insurance covers vehicles you and your family use for everyday activities. This includes commuting to and from work, running errands, taking the kids to school, and road trips. It covers accidents, liability, and damage to your car. Please note that it doesn’t cover your business-related activities beyond commuting to and from the office.

What is Commercial Auto Insurance?

Commercial auto insurance covers your vehicles used for business reasons. Examples are delivering goods, transporting clients, driving between job sites, and other activities related to your business. Commercial insurance policies offer higher liability limits, cover multiple drivers, and additional coverage options that your personal policy doesn’t. Commercial policies cover company-owned and personal vehicles used for your business.

Why Reviewing Your Commercial Policy Matters

Whether you have a brick-and-mortar, home-based, or online business, reviewing and updating your business insurance policy is important. This includes your commercial auto insurance. The Giles & Iten team recommends an annual review. Your commercial auto insurance could change based on the number of employees driving the vehicles and other details.

Contact Giles & Iten Insurance For Commercial Auto Insurance

As a small business owner, you may be unsure of the difference between your personal vehicle and commercial vehicle insurance. Our experienced team can explain every detail and provide a policy that meets your needs. Contact Giles & Iten, serving Surprise, AZ, and get the proper commercial coverage today.

Despite taking precautions, you may find yourself a victim of a car break-in. Thieves can strike at any time, whether it’s your stereo, designer handbag, or any other valuable item. Fortunately, if you have insurance, you’re covered. But what should you do next? Being robbed can be a distressing experience, but having a plan can help you navigate the situation.

Immediate Steps to Take

Firstly, ensure you’re in a safe location. While most stories about car damage being part of a dangerous initiation ritual are urban legends, it’s better to be safe than sorry. Once you’re safe, contact the police and report the incident. If it’s safe to do so, document the scene by taking photos of your damaged car from all angles and making a list of stolen items. When the police arrive, they’ll ask you to file a report. Be ready with your license, registration, auto insurance ID card, and the photos and list of stolen items. If your credit or debit card was stolen, contact your bank immediately to cancel it. Next, file an insurance claim. Comprehensive insurance will cover the cost of repairing the damage to your car. Your condo, renters, or home insurance should cover your personal items.

Giles & Iten Insurance: Serving Surprise, AZ

If you’re in the Surprise, AZ area and need auto insurance, don’t hesitate to contact Giles & Iten Insurance. Our friendly and knowledgeable agents will help you find the policy that best suits your needs.