If you think commercial auto insurance is just for businesses, think again.
Do you deliver pizzas, newspapers, food or other types of products in your vehicle? If so, you may need to insure it with a commercial auto policy. Your personal auto policy may specifically exclude these actions from coverage, which means an accident or other loss may not be covered by your insurance if it’s not a commercial auto policy. These actions are considered part of conducting business, which is why they would be covered by a commercial auto policy instead of a personal auto policy.
You need a commercial policy and we can help
At Deleski Insurance, we help pizza delivery drivers find the coverage they need in the Minneapolis, Saint Paul, Roseville, and surrounding areas. Don’t be left with a bill if and when an accident occurs. Get a commercial policy today and save your tips for yourself!
The days are short. The air is cold. And, roads are often slick with rain, snow or ice.
It’s winter driving season in Minneapolis and St. Paul. And, while most people know what to do to try to avoid an accident, many don’t know what to do after one. It’s vital knowledge to have, because the aftermath of a crash can be just as dangerous as the crash itself — especially when it’s cold and snowy.
Here are five things to do (or not do) if you’re in an accident this winter to help keep yourself and others safe:
Make sure everyone’s OK — then get off the road if you can. The safety of everyone involved in a crash is the first concern, of course. So, check on the occupants of each vehicle and call for emergency assistance if it’s needed. Then, if the vehicles are drivable, get them off the road as soon – and as carefully – as possible.
Stay in your car if you can’t safely move away. If you can’t get your car off the road, but you can get off the road, wait until there’s no traffic around and then move well out of the way. Otherwise, stay in the car so you’re protected from other vehicles.
Stay visible — and warm. Turn on your hazard lights and put up road flares so other vehicles know something is wrong. And, grab your vehicle emergency kit (you have one, right?) for blankets and extra clothing. If you’ve run off the road and you’re still in your car, make sure nothing is blocking your exhaust pipe. Otherwise carbon monoxide may build up.
If you’re stranded, stay put. Running off the road in a remote area is scary, but resist the urge to try to walk for help. You risk getting lost, especially during a storm, if you set off on foot.
See a crash? Don’t always stop to help. Being a Good Samaritan could cause more problems than it solves. So, if those involved aren’t in immediate danger, call 911 and let the professionals help with medical aid and traffic control.
It’s not always easy, but keeping a cool head after an accident will do more than help everyone get through a stressful situation — it will help keep everyone safer, too.
And, remember, if something does happen on the road this winter, your agent from Deleski Insurance is here to help with your auto accident claim.
Ah, Valentine’s Day is near, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say “Be Mine” – and, of course, jewelry.
It’s exciting to receive jewelry from a loved one — or to give it as a gift. But if you’re lucky enough to have some new jewelry in your Minnesota home this Valentine’s Day, you should take a few minutes to think about something you probably don’t find exciting or romantic: insurance.
Don’t know where to turn? Don’t worry. At Deleski Insurance Agency, we think it is exciting to help our customers protect what’s most important to them — so we’re ready to help and can answer all of your questions.
Things to consider when insuring jewelry:
You may need to purchase additional coverage. Your homeowners policy covers valuable items such as jewelry only up to set amounts. If the cost of replacing your jewelry exceeds that limit, you will want to purchase scheduled personal property coverage. You can check your policy or give us a call at 651-633-0400.
Do you need an appraisal? You may need to have an independent appraisal if the insurance company requires it or if you don’t know the value of your jewelry. Each item should be listed with a description and value. Color, cut, and clarity is very helpful.
What kind of coverage is offered? You’ll want to determine if items are covered no matter where they are, whether they’re in Minneapolis or St. Paul, or on an international trip, and if the policy offers full replacement cost. You also should ask if you will be required to replace your jewelry if lost or stolen, or if you can simply keep the cash settlement.
Pictures can be helpful. Lost or stolen pieces of jewelry sometimes can be recreated if the jeweler has a good photograph to work from, but the appraisal is always best to have as well.
Should I go with a company that specializes in jewelry insurance? There are companies that specialize in jewelry insurance. Whether you choose one of these, or a company that we represent, you’ll want to make sure they are reputable and stable.
Is the value of your jewelry mainly sentimental?Is an item irreplaceable? If the answer to either of these questions is “yes,” you might consider foregoing insurance. But please, talk to us at 651-633-0400 before making that decision. That’s what we’re here for.
Is is covered if I lose it or a stone falls out? Yes, it is covered, but only if you schedule it separately on your homeowners policy. It is not covered if you lose it without listing it on the policy or “scheduling” it.
Of course, it’s important to store your jewelry securely when it’s not in use; a safe in your home or a safe-deposit box is best. We want your jewelry to be replaced if it’s lost or stolen, but we’d rather your sentimental and valuable pieces stay with you and your family for years to come.
Here’s hoping your Valentine’s Day is full of fun and romance. And if there’s no jewelry involved, well, there’s always next year! Happy Valentine’s Day Twin Cities!
For further questions and assistance, please contact Deleski Insurance at 651-633-0400.