carport guarnatee - Used Car Dealers and fix Shops Watch Those Symbols

Car Insurance Home Insurance - carport guarnatee - Used Car Dealers and fix Shops Watch Those Symbols

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Garage guarnatee is a much misunderstood course form. Many professional guarnatee agents are confused about exactly when to use it and more importantly exactly how. You can use a carport liability course to safe a used car dealer, often referred to as dealer's insurance, or you can use this same form to safe an automotive fix shop or to set up body shop insurance. The trick is to know the symbols. If you own a car dealership or an automotive fix shop and are purchasing guarnatee for your business, it is advisable that you find an agent who specializes in the carport guarnatee form to help you with this purchase so you don't end up with the wrong form and perhaps find yourself without coverage after a large loss.

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As I mentioned earlier, both types of businesses, auto fix and or body shops and used car dealers both need the carport policy. But exactly what kind of operations are covered in these policies is driven by the symbols shown on the policy. This is very important. If your company is automotive fix or body work but your course is set up with symbols that would apply to a car dealership, you could find yourself without coverage in the event of a liability loss.
 
So how do you know if you have the accurate symbols and thus the accurate form? Pull out your carport course and look at the first page.   Beside each type of coverage, ordinarily to the left, there will be a least one two digit estimate between 21 and 31. These symbols will enumerate what is protected by the coverage shown beside that symbol. Here is a list of the most base symbols and what each one protects:

Symbol 21                 Any auto
Symbol 22                 All owned autos
Symbol 23                 Owned underground passenger autos only
Symbol 24                 Owned autos other than underground passenger
Symbol 25                 Owned autos branch to no fault laws
Symbol 26                 Owned autos branch to Uninsured Motorists law
Symbol 27                 Specifically described autos
Symbol 28                 Hired autos only
Symbol 29                 Non-Owned autos used in the carport Business
Symbol 30                 Autos Left for Service/Repair/Storage
Symbol 31                 Autos on Consignment
 
As you have probably figured out, if you are an automobile dealer and you have sticker 30 on your policy, you would find yourself without coverage. So why not just put sticker 21 on all coverages? Well, since code 21 is the broadest coverage, you would have to pay more for this guarnatee course and in some cases you might be purchasing guarnatee safety that you didn't in fact need.
 
Take some time to look at your course considered and enumerate the symbols for each line of coverage to make sure that they are thorough for the work you do. If you need help with this process, consult your agent. If you agent doesn't specialize in businesses needing carport policy, ie dealers guarnatee and auto fix shop insurance, then find one who does. This safety is just too foremost to leave up to an agent who is practicing on the job learning on your policies.

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