This is why you have insurance

[Calendyr]

Don't mean to jack your thread but mobile detailers beware. I'm a mobile detailer. I've been detailing for 8 years and just last Thursday I accidentally damaged a customer's car. My insurance " State Farm" denied the claim. Why? Well because I'm mobile, I did not rent or owned the property in which the accident happened. Great, I was paying insurance and never covered. For those of you mobile guys looking to get or already have insurance, make sure you are covered.

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Thank you for the warning! I will make sure to get something in writting regarding this.

 

[Calendyr]

Seems like you didn't do your research on your insurance sorry to hear this happen to you

Don't you do business with the exact same insurrance company?

 

[tuscarora dave]

Don't mean to jack your thread but mobile detailers beware. I'm a mobile detailer. I've been detailing for 8 years and just last Thursday I accidentally damaged a customer's car. My insurance " State Farm" denied the claim. Why? Well because I'm mobile, I did not rent or owned the property in which the accident happened. Great, I was paying insurance and never covered. For those of you mobile guys looking to get or already have insurance, make sure you are covered.

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No doubt about that.

It is your responsibility to obtain the right amount or type of insurance to cover what you'll be doing. I found myself in a similar situation.

I was insured through Erie Insurance, the policy was written at a broker across town. When I moved my operation from mobile to the shop I'm in now, I went with the property owner's insurance broker, who really knows his stuff about PA insurance laws and how to properly write insurance policies. I went with him because he knows the ins and outs of "Access Bus and Van Sales" (my shop landlord's) business. He knows what the buses and vans are worth that I work on frequently, he knows the garage value etc.

Turns out that the last guy who wrote my Erie insurance policy didn't know how to write a policy to cover my mobile operation. The policy was written wrong, the coverages were all wrong and I basically was uninsured half the time on site and all the time en route to my jobs. Just goes to show that there are hacks in every industry.

I am properly insured for everything that I do now, whether at my shop, on a mobile job or on pickup / delivery. This policy costs me twice the amount as the last policy, with the same company (different agent) but I am covered in the event of an accident plus I have coverage that will pay my salary etc. if injured in an accident in my van on my way to a job.

There's bare minimum coverage, then there's coverage that actually protects you for everything that you do. Ultimately it's your responsibility to ensure that you have the right coverage for what you'll be doing, and that means you need to search and research to be sure you're dealing with an agent who knows what the laws are and how to write a policy for exactly what it is that you'll be doing.

This means you need to be able to accurately convey the right information about what you'll actually be doing day in and day out, and if that changes you need to alert your insurance agent about new services etc. that may change your coverage needs.

If you think you're going to simply come out of pocket to pay for a collision you might have during your day to day operation, you're thinking like a fool. Get insurance or be willing to go belly up and face down when you're sued in the event that you need it for more than a simple fender repair. You never know, all it takes is one person driving and texting next to you on the freeway who's uninsured or under insured, or a turnaround in your parking lot that slams into your customer's car and runs off like so many people do these days.

 

[Pureshine]

No doubt about that.

It is your responsibility to obtain the right amount or type of insurance to cover what you'll be doing. I found myself in a similar situation.

I was insured through Erie Insurance, the policy was written at a broker across town. When I moved my operation from mobile to the shop I'm in now, I went with the property owner's insurance broker, who really knows his stuff about PA insurance laws and how to properly write insurance policies. I went with him because he knows the ins and outs of "Access Bus and Van Sales" (my shop landlord's) business. He knows what the buses and vans are worth that I work on frequently, he knows the garage value etc.

Turns out that the last guy who wrote my Erie insurance policy didn't know how to write a policy to cover my mobile operation. The policy was written wrong, the coverages were all wrong and I basically was uninsured half the time on site and all the time en route to my jobs. Just goes to show that there are hacks in every industry.

I am properly insured for everything that I do now, whether at my shop, on a mobile job or on pickup / delivery. This policy costs me twice the amount as the last policy, with the same company (different agent) but I am covered in the event of an accident plus I have coverage that will pay my salary etc. if injured in an accident in my van on my way to a job.

There's bare minimum coverage, then there's coverage that actually protects you for everything that you do. Ultimately it's your responsibility to ensure that you have the right coverage for what you'll be doing, and that means you need to search and research to be sure you're dealing with an agent who knows what the laws are and how to write a policy for exactly what it is that you'll be doing.

This means you need to be able to accurately convey the right information about what you'll actually be doing day in and day out, and if that changes you need to alert your insurance agent about new services etc. that may change your coverage needs.

If you think you're going to simply come out of pocket to pay for a collision you might have during your day to day operation, you're thinking like a fool. Get insurance or be willing to go belly up and face down when you're sued in the event that you need it for more than a simple fender repair. You never know, all it takes is one person driving and texting next to you on the freeway who's uninsured or under insured, or a turnaround in your parking lot that slams into your customer's car and runs off like so many people do these days.

Great info Dave I tell people all the time that insurance is a must and make sure you have the right insurance.

 

[Calendyr]

If you think you're going to simply come out of pocket to pay for a collision you might have during your day to day operation, you're thinking like a fool. Get insurance or be willing to go belly up and face down when you're sued in the event that you need it for more than a simple fender repair. You never know, all it takes is one person driving and texting next to you on the freeway who's uninsured or under insured, or a turnaround in your parking lot that slams into your customer's car and runs off like so many people do these days.

Thankfully it doesn't work like that in Canada. I have heard horror stories from the US, your system is broken guys... nothing you can do about it but it's insane that you could be put in a situation like that where someone without insurance destroys your vehicle and there is no way you can get compensated. It makes no senses at all.

 

[VP Mark]

Great advice. No mobile detailer or any detailer should go without:

Commercial unowned auto insurance
Garage keepers liability
General liability

 

[tuscarora dave]

Thankfully it doesn't work like that in Canada. I have heard horror stories from the US, your system is broken guys... nothing you can do about it but it's insane that you could be put in a situation like that where someone without insurance destroys your vehicle and there is no way you can get compensated. It makes no senses at all.

Yeah that's great that you don't have to worry about under insured or uninsured motorists in Canada. I have extra coverage to cover that but I'm not talking about someone crashing up my car, I'm talking about the customer's car while it's in my possession.

 

[Calendyr]

Yeah that's great that you don't have to worry about under insured or uninsured motorists in Canada. I have extra coverage to cover that but I'm not talking about someone crashing up my car, I'm talking about the customer's car while it's in my possession.

Well I would have to talk to an insurrance broker to confirm this but as far as I know, when you insure your car it doesn't matter who is driving for the coverage to apply (unless that person is underage or something).

So if you are driving your client's car, his insurance is valid. You would obviously pay the deductible and any other fees.

But I will check to make sure.

 

[VP Mark]

Most insurance policies have a permissible driver clause but if I get in an accident in one of my clients cars I want it to be covered under MY insurance, not theirs.

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[wompasaurus]

Mind me asking what you pay for insurance? Don't you need garagekeepers insurance? Any idea if that covers mobile detailers aswell?