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

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

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As I mentioned earlier, both types of businesses, auto mend 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 enterprise is automotive mend or body work but your procedure 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 precise symbols and thus the precise form? Pull out your carport procedure 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 describe 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 field to no fault laws
Symbol 26                 Owned autos field 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 emblem 30 on your policy, you would find yourself without coverage. So why not just put emblem 21 on all coverages? Well, since code 21 is the broadest coverage, you would have to pay more for this assurance procedure and in some cases you might be purchasing assurance safety that you didn't unmistakably need.
 
Take some time to look at your procedure thought about and describe the symbols for each line of coverage to make sure that they are standard 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 assurance and auto mend 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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