Auto insurance will cover a number of strange incidents while on the road.
Auto insurance is one of the most common insurance policies out there. From claims of fender benders to stolen vehicle claims, many people know the basics of what their policy will cover. However, your car insurance policy will also provide coverage for some strange issues. Keep these strange auto insurance claims in mind to see if you have the protection that you deserve.
Three car pile up caused by a mattress – a couple forgot to tie down their mattress to the top of their vehicle before taking off. As they were driving down the freeway, the mattress came loose and landed in the middle of the road, causing a three car pile up. Unfortunately, the three affected drivers did not have uninsured motorist coverage, leaving them to cover the repairs on their own after the mattress owners left the scene.
Hail insurance fail – after a heavy hail storm in the 1990s, one driver made a claim to their car insurance company for hail damage. After looking at the damage, and insurance adjuster found out that the damage was actually caused by a ball-peen hammer. After the claim for hail damage was denied, the owner of the vehicle then made a vandalism claim to their auto insurance policy for the ball-peen hammer damage.
Shotgun rider – one man made a claim to his auto insurance company after his shotgun fell out of his hands and destroyed the entire cab of his truck. He didn’t know if the gun went off when it hit the ground or when his hand slipped while grabbing for the weapon. Luckily, his comprehensive coverage paid for the necessary repairs.
To ensure that you have the right Conejo Valley auto insurance policy to provide coverage for any incident that you may encounter, contact the independent insurance professionals at Cappuccino Insurance Agency in Westlake Village, California.
Small business owners have many worries, including property damage, theft, and fire. While these are all serious concerns that should be addressed, there are many other threats which could cause serious damage to your business. Keep these top small business insurance concerns in mind to ensure that your business is as safe as possible.
Burglary and theft – 20 percent of all small business claims deal with burglary and theft, with an average cost of $8,000. To help avoid a burglary or theft claim, conduct background checks on all employees that you hire, and make sure that you have the right security devices installed, including security cameras, lighting, and gates.
Water and freezing damage – 15 percent of all small business claims deal with water damage, with an average cost of $17,000. Make sure that some of your key employees know where the water shut off valve is in case a pipe bursts.
Hail and wind damage – 15 percent of all small business claims deal with wind and hail damage, with an average cost of $26,000. Knowing the dangers that may affect your property can help you be better protected. Remove any threats, such as tall trees or unsecure items that could become projectiles.
Fire – 10 percent of all small business claims deal with fire, with an average cost of $35,000. Regularly test all fire detectors and suppression equipment throughout your company. At least twice a year, update your emergency preparedness and make sure all employees know the plan.
For all of your small business insurance needs, contact the insurance professionals at Cappuccino Insurance Agency in Westlake Village, California. As an independent insurance company, we will work with you to ensure that you have the coverage that you deserve, all at the right price to fit your budget.