DDI Insurance Agency

24522 Harper Avenue

St Clair Shores, MI 48080

(313) 925-3216

[email protected]​

My Blog


School Dropoff

Posted on September 9, 2013 at 10:09 AM
School Dropoff ?  You may not be covered!
Taking my grandson to school this morning I saw a van pull up with a logo that said they were a school shuttle service.
Nice service for busy or working parents.
With charter schools and school of choice programs, I am sure this is a growing market.
The Insurance Agent in me, thought nice, I wonder if they are insured properly?
What do I mean? Well many times I find that you either did not tell your agent, the many uses of your vehicles or maybe they didn't ask on know how to advise you.
There are many ways a vehicle can be considered Commercial Use, and carpooling, school drop off (besides your own children) are among them.
If there is any compensation, even $5 for gas,  for taking other peoples children to school, or delivering passengers in any way, (referred to in Insurance as Public Livery), your vehcile liability policy can be void and a claim denied.
Not just the damage to your vehicle, which can be replaced, you could be personally liabile for those children and thier injuries.
You got the kids to school and then stopped at the grocery store, a fender bender in the parking lot and Mrs. Smith in the other car has whiplash. That claim can be denied. Your claims adjuster will ask you how you use your vehicle, and when there is any Commercial use, they may decide you were insured improperly.
Even something as simple as newspaper delivery, part time, can jeopardize your personal auto policy coverages.
Make sure you talk to your agent, don't settle for a quick auto quote that only promises to save you money.
You aren't saving money by buying the wrong policy.

Categories: auto injury, auto insurance, insurance, no fault insurance, parents, parking lot, school, taking kids to school, Why do I need so much insurance

Post a Comment


Oops, you forgot something.


The words you entered did not match the given text. Please try again.


Reply strona www
9:30 AM on October 22, 2014 
Otherwise, complete a nice home can be hugely tough. It is approximately options that include today's pot, kitchen area initiation ? inauguration ? introduction or maybe chiller by means of leading-edge features
Reply college advice
11:40 AM on December 28, 2017 
School dropoff,more ways a vehicle can be considered commercial use,delivering passengers in any way. The damage to your vehicle then ddiinsurance blog stopped at the grocery store insured improperly.
Reply order essay
7:13 AM on July 25, 2018 
It is an amazing post, it encourages us to take part in a sports activity. We can get a good health by participating in sports. It makes our mind fresh. I really appreciate this post. keep posting like this.
Reply Jack
7:33 AM on November 28, 2018 
Arthur talking to about of the school drop off dd insurance for here. I am very happy to visit here in the blog review is very good. rubber flooring available in less than 10 meter cut
Reply johnosn smith
11:03 AM on November 28, 2018 
Nice service working and busy parents.complete a nice home can be hugely tough. It is approximately options that include today's pot, kitchen area initiation.
industrial rubber flooring for industries
Reply 21412
10:03 AM on December 17, 2018 
Reply australian resume services
4:05 PM on February 24, 2019 
You are right. It's a great business idea. I would invest money in that.
Reply uh jacket
10:34 AM on April 8, 2019 
Great post. Articles that have meaningful and insightful comments are more enjoyable, at least to me. It’s interesting to read what other people thought and how it relates to them as their perspective could possibly help you in the future.
Reply <a href="">pay to write my dissertation
10:34 AM on April 8, 2019 
Incredible post. Articles that have significant and savvy remarks are more agreeable, at any rate to me. It’s fascinating to peruse what other individuals thought and how it identifies with them or their customers, as their point of view could help you later on.
Reply Jack
9:05 AM on May 8, 2019 

This is quite interesting topic that you have decided. I really enjoyed reading the blog. Keep on sharing such info. Well done !!

invisalign aligners solutions
Reply Thomas
5:09 PM on May 8, 2019 
Great help dear and a fantastic post. Really like what you have posted .. i found it really useful and will utilize some of the tips here. Good share, thank you

charter boat rental
Reply Pikachu Yellow Hoodie
9:32 AM on May 10, 2019 
This is an interesting post.
Reply Jordan
9:52 AM on May 10, 2019 
I am very impress to visit here in the blog. You have made a great effort in making this post which is appreciable. I really like to it for here.
bible verses about faith
Reply Giny
2:45 PM on May 12, 2019 
I like reading the content which you have posted. I have learned a lot from this post which will help me in future.
bible words
Reply 3d mink eyelashes wholesale
11:12 AM on May 15, 2019 
You actually suggested it exceptionally well.
Reply mink lash extensions
11:12 AM on May 15, 2019 
This information is priceless. Where can I find out more?
Reply mink eyelashes
11:12 AM on May 15, 2019 
I think would really enjoy your content. Please let me know. Thank you
Reply good fake eyelashes
11:13 AM on May 15, 2019 
Greate pieces. Keep posting such kind of info on your page. Im really impressed by it.
Reply Fortnite Case - Juul Case
11:13 AM on May 15, 2019 
I am sure they will be benefited from this site.
Reply wwe super card hack online
6:51 AM on May 20, 2019 
After WWE supercard tricks, you can learn the best way to play easily.