Commercial Auto Insurance Wisconsin
Reader’s Question:
I am just wondering if there are insurance provider in Milwaukee, Wisconsin that will insure delivery drivers like me?
Bennett
Milwaukee, WI
If you have an employer and you are not an independent contractor verify with your employer to know if the insurer in Milwaukee will provide you coverage while you are engaged in that employer’s job.
Business or commercial driving rates, newspaper carriers, delivery services and real estate agents fall into this same category, are higher than those in standard personal auto policy policies.
Since most personal car policies will exclude coverage for the car while it is being used for business purposes you will likely have to get a commercial or business use policy for your car since you will be delivery property for money.
DUI Insurance Wisconsin
Reader’s Question:
I was driving in Green Bay Wisconsin WI on a restricted driver’s license by DUI. I was driving outside my restrictions. I crashed my car due to a road hazard so will my insurance pay for damages even though I was not driving to/from work as mandates by my restricted license provisions?
Sarrah
Green Bay, WI
The insurance company’s provisions and/or exclusions will determine if this is covered under your policy. Exclusions on a Personal Auto Policy can be different for every carries and state, so you better review your policy:
Some typical exclusion follows:
-committing a high misdemeanor or felony, or seeking to avoid lawful apprehension or arrest by a police officer; or
-acting with specific intent to cause injury or damage to himself or others;
-operating or “occupying” an “auto” without the permission of the owner of the “auto” or name insured under the policy insuring that “auto”.
-War (declared or undeclared);
-Civil war;
-Insurrection;
-Rebellion or revolution;
-Any act or condition incident to any of the above resulting from radioactive, toxic, explosive, or other hazardous properties of nuclear material.
-and other specified on each policy…
Based on the typical exclusions listed, it seems like you will have coverage afforded unless there are other exclusions listed on your policy.
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