Independent insurance agent group adds one more

Erie Insurance has announced that another independent insurance agency has joined its network.

Fairport, NY-based Fujimura Insurance Agency is the latest member to join Erie’s network. Fujimura Insurance offers a wide range of commercial and personal insurance, along with professional consultations and services.

“We are honored to partner with Erie Insurance as a local agency and work hard with the 94-year-old company,” said Fujimura Insurance Agency principal Robert K. Fujimura in a statement. “We will be working hard to continue to grow the presence and the scope of the Rochester Region for the company as we offer distinctive insurance products to the area.”

Fujimura Insurance Agency will continue to be based in the Fairport, NY area, serving the Greater Rochester Market.

Currently, Erie Insurance in Erie, PA has 12 operations in 12 states and the District of Columbia. The Fortune 500 company is rated A-plus by A.M. Best and is considered one of the 20 largest P&C insurers in America.

In April, a J.D. Power study found that Erie Insurance led the industry in terms of customer satisfaction in the auto insurance purchase experience, with a total satisfaction score of 877 out of 1,000. This is Erie’s sixth straight year earning the distinction.

Protect Yourself And Your Truck With These Insurance Tips

State law mandates that you purchase at least the minimum truck insurance package, not only to protect yourself when driving, but to protect other drivers on the road. This leads some people to make hasty decisions with their coverage. Find out what you need to know about truck insurance by reading these tips.

When trying to get a lower rate on your truck insurance, don’t be afraid to shop around. Truck insurance companies use different formulas to calculate who is a higher risk driver and therefore who has higher premiums. Even a slightly different set of questions could mean big savings for you.

When shopping for a new truck, be sure to check with your insurance company for any unexpected rate changes. You may be surprised at how cheap or expensive some trucks may be due to unforeseen criteria. Certain safety features may bring the cost of one truck down, while certain other trucks with safety risks may bring the cost up.

If you own a small business requiring the use of company trucks, vans, or trucks; business truck coverage is a must. Business truck insurance coverage can usually be added to a business insurance package made available by insurance companies. If you or your employers are driving company vehicles, it is critical that you are covered in case one of them gets into an accident.

If you are a senior citizen and you own your truck but don’t drive very much anymore, then you may be able to save on truck insurance. Consider insuring only the main driver of your vehicle. If this person has a good driving record then you can get a much lower rate.

Look up grade discounts if you are a student. Many insurance companies offer rate reductions for students who do well in school, so find out if yours does. Bring your transcript by to show off your grades, and you may be rewarded with a great discount. Good grades show the insurance company that you are responsible.

Ask your insurance agent if your age can get you any discounts. Studies have shown that, much like fine wine, drivers tend to get better with age. Your insurance company may offer you a discount for being a long-term driver, giving you a discount each time you pass the age milestones they have set.

If you want to buy a SUV, you should know that these vehicles are the most stolen one. This means that you should definitely get an insurance that covers the theft of your vehicle, and that this insurance is probably going to be rather expensive. Perhaps you can find something else than a SUV.

Everyone knows that a Ferrari is an expensive truck, but what you may not know is that the insurance will be vastly more expensive as well. If you have your heart set on a truck like this, make sure that you consider the increased prices of the insurance as well. At times it can be as much as 3 times the price of a normal truck.

With truck insurance, is it better to have a policy with a call center or one with a local office? It is nice to talk face to face with an agent, but he may have an interest in giving more coverage than you actually need–since he benefits personally from this.

To ensure you continue to get the best possible truck insurance, it is wise to do a little comparison shopping against your current policy from time to time. Doing this about a month before your policy renews is a great strategy. This allows you to take advantage of a better offer or use it to negotiate a new rate with your current insurer.

Avoid truck insurance extremes. You can definitely be hurt by a lack of adequate insurance. Even more costly is being over-insured. Many people pay for coverage they can not ever possibly need. The result can be a huge drain on your budget. Evaluate your truck insurance coverage and rates annually.

It is important to factor in the cost of your insurance premiums when you are shopping for a new truck. Vehicles with higher safety ratings are highly favored by insurance companies, usually leading to cheaper policies. Sports trucks garner higher insurance premiums, than other vehicles on the market. Be sure to incorporate this expense into the budgeting for your truck expenses.

Truck Insurance

A great way to save some money on your truck or truck insurance is to drive your vehicle less frequently. Many of today’s best truck insurance companies offer discounts to customers for low-mileage, incentivizing people to keep their trucks parked. If you can walk instead of drive, you can get some good exercise and save money on your insurance.

As you see with the information above, there are many ways you can save and many ways to cut back on insurance so that you’re not becoming a victim of the insurance company. You can’t be without coverage here; you need to get some type of insurance. So remember to use these tips when you need to purchase a package.

Great Truck Insurance Tips You Should Check Out!

You’ve been looking all day for good tips on truck insurance but have found nothing of use so far. It can be frustrating with the amount of unverified information out there. Pay close attention to the tips provided in this article and you should find plenty of good information to help you on your way to being an expert on the subject.

Another type of truck insurance coverage in your policy, is medical coverage. This coverage takes care of your injuries and those injuries to other people in your truck. Some states just make this a optional coverage in your insurance. If you live in a no-fault state, medical payments are replaced by personal injury protection.

Be sure to keep your truck secure. Keeping your truck garaged, having a security alarm system, using a locking device on your steering wheel, having a professionally installed tracking system and living in a safe neighborhood are just a few of the ways you can save some money on your truck insurance. Be sure to ask your agent how you can get discounts on your insurance rates with good security measures.

In order to save the most amount of money on truck insurance, you need to thoroughly check the particular company’s discounts. Every company is going to offer different discounts for different drivers, and they aren’t really obligated to tell you. Do your homework and ask around. You should be able to find some great discounts.

Having multiple drivers on one insurance policy is a good way to save money, but having multiple drivers of one truck is an even better way. Instead of opting for multiple trucks, have your family make do with one truck. Over the life of your policy, you can save hundreds of dollars by driving the same vehicle.

Before you decide to purchase any truck insurance policy, one of the first things you should do is calculate your total mileage. Some people do not drive their vehicles that often, and they may be privy to certain discounts if they only use their trucks for work use or other limited uses. Driving less means you are less of a risk.

If you really want to save a lot of money on truck insurance, you can waive almost every type of insurance available except for state-mandated liability coverage. Liability coverage protects other drivers on the road more than you, so this is required for all drivers. But other types of coverage are not required and you can save big money by leaving them off.

There are many aspects of truck insurance which most people are completely unaware of, like the Group Trucks scoring system. Check into this particular scoring system before you purchase a vehicle. You will find trucks and trucks rated from 1 to 20. Purchasing the lower-rated trucks on this list will allow you to save money.

Being an truck dealership can have it’s insurance perks. You must maintain insurance policies on the vehicles you carry, but you can get a deal for this through dealers insurance. These policies will allow you to drive any of the company owned trucks, essentially eliminating the need for personal truck insurance.

Add your spouse to your insurance policy. Insurance companies are notorious for wanting stable and responsible customers. Adding your spouse to your policy signifies that you have become more stable and reliable, and many companies will lower your rates just for that reason. If your spouse has a clean driving record, that can help lower your rates as well.

For older vehicles, remove comprehensive and collision coverage. These options are best saved for newer vehicles, as they pay for repairs and damages caused by accidental damage and other issues. If you remove them, your premiums will be much cheaper and you will still be covered in the event of an accident.

If your annual mileage driven is low, your truck insurance premium should be, too. Fewer miles on the road translates directly into fewer opportunities for you to get into accidents. Insurance companies typically provide a quote for a default annual mileage of 12,000 miles. If you drive less than this be sure your insurance company knows it.

Even though you may be loyal to a certain truck insurance company, it pays to shop around for other companies each year. The prices of truck insurance are constantly taking and by not looking around, you could be spending far more on your current insurance than you would be with another company.

Join an truck club. If you own a classic or a truck that is otherwise desirable in some way, research truck clubs for it. Many of these clubs offer perks for joining. One of these perks is sometimes a discount on your insurance premiums. Just make sure that the benefits of joining the club outweigh anything else you might have to do or pay in order to join.

Not all truck insurance providers are equal. Check out competitors, and shop around if you do not like your quote.

It should really go without saying, but you should never leave an accident unreported to your insurance company. If another victim in the accident makes an insurance claim or a police report is filed, the chances that your insurance company will catch wind of it rise exponentially. While an accident you report might raise your premiums, an unreported one definitely will – and by much more.

When purchasing truck insurance, one of the first things you need to check is the actual accuracy of the policy. Your policy needs to be custom-tailored to your particular needs. Having a policy that’s not tailored for you means that you’re going to end up paying extra for items that you really don’t need to be paying for at all.

In conclusion, it can take a lot of time out of your day trying to find good information about truck insurance. This article has compiled some of the best information available. Follow what is mentioned carefully and you will be in great shape for whatever you were hoping to accomplish.

Court orders trucking company to remove driver-facing cameras because they violate drivers’ privacy

A Canadian court has ruled that driver-facing cameras violate a trucker’s right to privacy and have ordered Sysco Quebec to remove the devices from their trucks.

The ruling was announced during the week of August 21st, by the Quebec Superior Court.

According to TVA Nouvelles, the truck drivers of Sysco Quebec have been rallying against driver-facing cameras for the last five years.

Back in 2012, Sysco began installing DriveCam driver-facing cameras in all of their trucks, claiming that they were only to be used to record evidence in case of an accident. The cameras were meant to record only specific events, such as sudden braking, for 12 seconds at a time. However, soon after the DriveCam cameras were installed, around 70 truck drivers for Sysco Quebec filed complaints about the cameras, claiming they would randomly start recording several times a day.

The truck drivers said they felt “watched” and “intimidated,” so their union filed a grievance.

In 2016, an arbitration panel reviewed the complaints and ordered Sysco to remove the driver-facing cameras. The arbitration tribunal called the cameras a “particularly intrusive” method to promote workplace safety, as the cab of a truck is more private than an office or other workplace.

Sysco contested the arbitration panel’s decision and the case was elevated to the Quebec Superior Court, which sided with the drivers in late August.

“The interior of our truck is a bit like our home,” explained Pierre Pelletier, an independent owner-operator of 30 years.

“We eat in there, we change … so it’s not very nice to be filming all the time.”

Sysco has refused to comment on the situation, but now has less than 30 days to file an appeal on the decision.

“In the United States, the many lawsuits that have been brought [against trucking companies] may push the industry to protect itself and invest in this kind of equipment,” said CEO of the Trucking Association and Counsel, Marc Cadieux.

“But here, it is the insurance companies that pay in the event of an accident. So, I do not see the point of filming the drivers.”

Despite the victory for truck drivers working for Sysco, the ruling will not necessarily keep all companies from installing driver-facing cameras.

“Certainly, it paves the way for other decisions that the courts could take, but that does not mean that some carriers could not use other grounds to justify the installation of cameras,” Cadieux continued.

“For example, some companies carry high-value items or downright money. Others carry dangerous products. So maybe at that time, some surveillance equipment inside the truck can be justified,” Cadieux added.

Source

“Fewer and fewer insurance companies having the stomach for the experience”

Technology giveth and it taketh away.

Insurers of long haul trucking fleets know this to be true, as on-board additions to commercial trucks make them safer but also costlier to insure, and distracted driving continues to be a major risk for truck operators while on the road.

“Advances in vehicle technology have made the operation of vehicles, including trucks, safer over time and you would expect that in terms of modernization of the industry,” explained Paul Brocklebank, president and CEO of Canal Insurance Company. Yet this in turn has made today’s trucks more expensive than they were even five years ago.

Meanwhile, people driving their own vehicles can’t seem to put their phones down, despite major public education campaigns. The National Highway Traffic Safety Administration estimates that during the day, about 660,000 drivers are using their cell phones. The potential for collisions with other vehicles rises with the use of this technology.

“Distracted driving or cell phone usage has had the opposite effect and it’s actually driven up insurance loss costs – you can see that in terms of the overall industry results,” said Brocklebank.

Underwriting this class of business then becomes a fairly complicated proposition, and a costly one at that.

“There are lots of variables to be considered and because of financial responsibility laws, it also requires us to place minimum bets of $1 million when we offer limits, and so, unlike some other forms of commercial auto where lower limits are offered, we have no choice but to offer at least a $1 million limit when we quote a risk,” said the CEO.

Telematics is one way the insurer is using technology to its benefit. In fact, Canal has a risk management team called CanalRisk360 that helps insureds investigate and use connected devices.

Canal knows what it takes to adapt to change. The company was founded almost 80 years ago when there was a shortage of insurance providers for long haul trucking after the Second World War with the expansion of the national interstate system. The competition in the marketplace means the need for commercial truck insurance has ebbed and flowed, said Brocklebank, though right now is a time of demand.

“In some respects, we’re right back where we started in terms of there being a need in the market with loss costs escalating, and fewer and fewer insurance companies having the stomach for the experience,” he said.

Source

Steps For Making Sure Your Truck Insurance Coverage Is Adequate

First of all, it’s illegal to drive without insuring your truck. So if you have to have it, why not get some truck insurance that will get you the most out of your money. This article will provide with the information you need, so that you can make the most informed decision about truck insurance.

When getting truck insurance is not a wise idea to only get your state’s minimum coverage. Most states only require that you cover the other person’s truck in case of an accident. If you get that type of insurance and your truck is damaged you will end up paying many times more than if you had the proper coverage.

To lower the cost of your insurance, you should pay attention to the kind of truck that you wish to buy. If you buy a brand new truck, insurance will be very high. On the other hand, a used truck should allow you to get a lower rate, especially if it is an old model.

As expensive as adding your teen driver to your truck insurance policy can be, it may be worth it in the long run, as it will help him or her to begin building up a good credit report. If they maintain a safe driving record, this history of insured good driving will give them a better rate when they reach adulthood and are purchasing truck insurance of their own.

If your truck insurance carrier is not lowering your rates after a few years with them, you can force their hand by contacting them and telling them that you’re thinking about moving elsewhere. You would be surprised at what the threat of losing a customer can do. The ball is in your court here; tell them you’re leaving and watch your premiums fall.

If you are married, you can drop your monthly truck insurance premium payments by simply putting your spouse on your policy. A lot of insurance companies see marriage as a sign of stability and assume that a married person is a safer driver than a single person, especially if you have kids as a couple.

Save money by evaluating your truck insurance needs and improve your personal finance. The more your truck costs, the more your insurance will cost. With so many variables in insurance policies, choosing what you need versus not needing can be tough. However, one that you might want to consider cutting is the collision damage part. If your truck is in bad shape then there is obviously no need to have that type of coverage.

If you can decrease your annual mileage, you can expect a decrease in cost for your truck policy. Insurance companies normally estimate that you will drive around 12,000 miles per year. If you can lower this number, or are someone who does not drive that far that often, you may see a reduction. Be sure that you are honest about your miles since the insurance company may want proof.

Find out all of the available discounts that your insurance provider offers. There may be some discounts available that you did not know about when you opened your policy. You may have to take a driver’s course of some kind but it will increase your driving skills and reduce your premiums.

Always check with the state insurance department before you sign an application for truck insurance. You want to make sure that the company you are working with is licensed in the area that you live in. If they aren’t, you may not receive any help after an accident.

Keep truck insurance in mind when buying a new truck. Different trucks have different premiums. You might have your heart set on an SUV, but you might want to check just how much it is going to cost to insure before you spend money on it. Always do your insurance research before buying a new vehicle.

If you are in an accident, report it. Even if there aren’t any injuries that are obvious at the time. It doesn’t mean you are necessarily filing a claim, just letting your insurance company know what happened in case a claim is filed by the other party at a later time.

If you are purchasing truck insurance on a new vehicle on which there will be a lien, you should be aware that you must, by law, have full coverage. In this case, you may even want to reconsider your new truck purchase because full coverage is significantly more expensive than liability alone.

Know the laws in your state concerning truck insurance. In almost every state, truck insurance is compulsory. You can face stiff fines and penalties for not carrying adequate truck insurance. Some states are even known to jail repeat no-insurance violators. Educating yourself is important so that you can comply with the laws.

When dealing with an truck insurance claim, always keep all of the information related to the claim with you at all times, in a pocket or a purse. Claim settlements are often slowed down by the client not having information handy with the insurance company contacts them, meaning they’ll have to wait until that evening to get things moving.

To lower your overall cost consider paying your insurance premium in full. Many insurance companies tack on fees for customers who make payments month to month. Your company may offer several payment option plans, but generally the less payments you make the more money you save. Some companies even offer an additional discount for enrolling in automatic renewal.

Truck Insurance

A great way to save some money on your truck or truck insurance is to drive your vehicle less frequently. Many of today’s best truck insurance companies offer discounts to customers for low-mileage, incentivizing people to keep their trucks parked. If you can walk instead of drive, you can get some good exercise and save money on your insurance.

Don’t drive illegally and get truck insurance. Now you have the knowledge to make informed decisions about what insurance to get and how to get the most out of you policy. Use the information from this article to get what will benefit you and your unique scenario the best, with the amount of money you are willing to spend.