Posts Tagged ‘Collisions’

Employees Should be Careful Performing Out of Scope Work

Sunday, June 6th, 2010

Most people do not mind taking time out of their day for an occasional errand for the boss. But what happens when you get in a car accident, the errand is on a bad weather day, the boss’s request happens all-to-often or becomes routine? Suggest to your boss that he or she hire a licensed courier service.

Accidents & Injury

Many individuals nowadays have vans and are ready, willing and able to jump in the vehicle and pickup a document. Once you consider that 77% of all traffic accidents occur within 25 miles of home, taking extra risks for the boss might not make sense. These collisions ofen occur close to home because we do a significant amount of our driving within this area. But we also tend to do a lot of unnecessary trips for a few things that we need. And, we are less attentive to our driving when we are in familiar territory and make the same trips frequently. This reduces our ability to concentrate on our driving when we are in a hurry to get it completed. Lifting any heavy cargo also exposes you to injury and if it is outside the scope of your employment, your insurance may not even cover you!

Professional couriers have a life-threatening job – they are normally driving around in that same 25 mile area with many other people who are not focusing on their driving.  A professional courier receives training and in order to retain the required level of vehicle insurance, the professional courier must concentrate on safety as a requirement of the job. The professional courier is out in that 25 mile area every work day.

It is a Poor Business Model to Use Staff for the Wrong Purpose

It is likely when you consider the amount you are being paid to perform your professional duties and you add the employer’s contributions for FICA, medicare, State Unemployment Insurance, worker’s compensation insurance, health benefits and other costs, your employer would save a great deal of money by paying a courier and allowing you to focus on your job! I recently saw a medical office that paid a staff member $15/hour (nearly $19.50 per hour in actual costs to the company when adding FUTA, FICA, SUTA, medicare, etc.) to courier medical records when a qualified medical courier could have done it much cheaper!

So why not tell your boss to consider a courier for your local pickup and delivery needs – one that is professional, licensed and insured. It will protect you from having an accident and potentially save your employer some money! Not to mention that you can do your own job! 

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Car Insurance

Sunday, March 14th, 2010

Car insurance is popular all over the world. The market of insurance services can already give today to the automobile owner many variants of protection of the car from every possible risk.

All over the world car insurance is one of the most demanded kinds of insurance. The car is an expensive thing, thus the size of its insurance won’t compare with that damage that can be caused to the company or the owner due to the accident or someone’s carried out malicious intention.

To understand what the car insurance is, it is necessary to make representation from what it is possible to insure cars and what package deals offer the insurance companies. Basically, the insurers insure cars as it do all over the world.

In the world the most widespread program of auto insurance is called Casco. It covers all risks connected directly with the car.

Auto insurance Casco means insurance only of automobiles and does not include insurance of the property interests connected with transportation facilities (the freight, responsibility before the third parties in connection with collisions and other).

Damage of the car as a result of its operation or imprudence of the driver does not concern insured events at using fire or smoking. Also you won’t achieve indemnification at loss of keys or plunder of registration signs and the equipment which is not entering into a factory complete set.

Having issued this kind of auto insurance you will obtain compensation if your car will steal or if you under the threat of violence will force to leave the car. The insurance events connected with damage of the car are much more habitual. The most widespread insurance event is a road accident and transport incident.

Cars often get into accidents. Therefore auto insurance on a case of road and transport incident in which yours or the car of your company can get off light in the form of the rumpled bumper or seriously suffer is provided full unfitness to restoration.

Auto insurance Casco insures also against a fire, for what reason it would not occur. The fire-fighting crew should be necessarily caused on a scene even if you own forces have extinguished a fire. After all the inquiry from branch of fire protection becomes insured event acknowledgement.

Any damage which is put to your car by extraneous people is called for the insurance company illegal actions of the third parties. Theft of wheels, radio tape recorders, the firm emblems, the broken glasses and headlights, any other damage for details and the car equipment can be such damage.

For example, the car damaged in your absence on parking place can be also added to such damage. Originators usually do not find, nevertheless, if at you auto insurance the statement in militia is issued it is necessary to write, differently the insurance company can refuse payment of insurance compensation.

Now the part that is very important for your search of the insurance price quotes

It is simple: some general tips – today the online technologies give you a truly unique chance to choose what you need for the best price on the market. Strange, but most of the people don’t use this opportunity. In real life it means that you should use all the tools of today to get the “car free insurance online quote” info that you need.

Search Google and other search engines. Visit social networks and check the accounts that are relevant to your topic. Go to the niche forums and participate in the online discussion. All this will help you to create a true vision of this market. Thus, giving you a real chance to make a smart and nicely balanced decision.

P.S. And also sign up to the RSS on this blog, because we will do the best to keep this blog tuned up to the day with new publications about insurance price quotes and other topics of the big and versatile insurance industry.

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