What does employees as insureds mean?

Employees as Insureds Endorsement — this commercial auto endorsement (CA 99 33) may be used to extend nonowner liability coverage to cover the individual liability of employees while they are using their own autos in the employer’s business.

What is RealDrive?

RealDrive ® is an easy way to. save even more money with Mercury. All you have to do is verify how many miles you drive! Your rate will be based on how far you drive, and that could lead to big savings. Plus, you’ll save 5% right away just for signing up and you’ll keep it for as long as you remain in the program.

What is the difference between uninsured motorist property damage and collision?

Uninsured motorist property damage coverage generally has a lower deductible than collision coverage, and may cover damage to both your vehicle and other property, like your home, from an uninsured driver. Meanwhile, collision coverage covers only damage to your car and pays out regardless of who caused the accident.

What is broadened PIP coverage?

Broadened personal injury protection, also known as named individuals broadened personal injury protection, is an additional level of personal injury protection. It protects those, other than the insured, who may from time to time drive the insured automobile, such as employees or family members.

Who is an insured under a CGL policy?

An individual, you and your spouse are insureds, but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business.

Who is insured’s name?

A named insured is a person who’s covered outright under a renters or home insurance policy – that includes the policyholder and anyone else living with them related by blood, marriage, or adoption.

How do I cancel my Mercury Insurance Policy?

To cancel Mercury Insurance, contact Customer Service at (800) 503-3724.

Which is better to have collision or uninsured motorist?

It is better to have collision insurance because it applies in more situations than uninsured motorist coverage. Collision insurance can be used to repair or replace the policyholder’s vehicle after any accident, regardless of fault, while uninsured motorist insurance only applies if an uninsured driver was at fault.

What is broadened other car coverage?

Drive Other Car (also known as DOC or CA9910), is a broadened coverage endorsement that gives certain named individuals coverage on vehicles that do not have to be listed on an Auto policy. These autos can be vehicles the insured does not own on a regular basis or ones that are leased for a short period of time.

What employee hired car?

Hired autos are vehicles your business leases, hires, rents, or borrows that are used in the course of doing business. Vehicles you lease, hire, rent, or borrow from any of your employees, partners, limited liability members, or household members are not considered hired autos.

When can I add an endorsement to my policy?

An endorsement can be added when the policy is issued, during your policy term, or when you renew your policy. It may increase or decrease your insurance costs depending on the changes being made to the policy. An endorsement typically serves one or more of the following purposes:

What are standard endorsements in insurance?

Many endorsements used in the insurance industry are standardized. Standard endorsements are drafted and published by insurance advisory organizations such as ISO or AAIS. Insurers can use these endorsements if they have purchased a subscription from the publisher. Standard endorsements are widely used in the marketplace.

What is an example of a mandatory endorsement?

Mandatory or Voluntary. Some endorsements are added to a policy voluntarily, at the option of the insured or the insurer. An example is a liquor liability endorsement added to a general liability policy at the policyholder’s request. Other endorsements are elected by the insurer.

What is a workers compensation endorsement?

Adding coverage: Endorsements are frequently used to add coverage not provided by the basic policy. An example is a voluntary compensation endorsement, which can be added to a standard workers compensation policy for an additional premium.