I Unknowingly Let Someone With a Suspended License Drive My Car. Will My Auto Insurance Pay For a Car Accident They Had?

At Insurance Center of Green Valley, serving the greater Green Valley AZ area, we are asked a wide array of questions. One of the questions that we have recently been asked is whether your auto insurance policy will pay for an accident if you unknowingly let someone with a suspended license drive your car. 

First and foremost, it is important to understand that you can be held liable for anyone that you let drive your car. As such, you need to be positive that the person is licensed and a safe, responsible driver. However, you have no way of knowing that a license is suspended unless the driver tells you, so you may not know until an accident occurs that their license was no good. 

In most cases, your insurance policy will pay for the accident, even if the other driver was not licensed. However, there are two scenarios in which they won’t. 

If Your Policy Has an Unlicensed Driver Exclusion

Some auto insurance policies have an unlicensed driver exclusion specifically in them. This exclusion states that any unlicensed drivers, including those with suspended licenses, will not be covered. More and more insurance companies are listing this inclusion in their policies to decrease their liability, so always carefully read through your policy to see if it is there. 

If Your Policy Lists Precluded Drivers

Some auto insurance policies list precluded drivers. If your policy has the driver who was driving your car listed as a precluded driver, or your policy only includes specific drivers, the damage was done by precluded drivers will not be covered. 

Are you in need of a new auto insurance policy in the greater Green Valley, AZ area? If so, the Insurance Center of Green Valley is here for you. Call us today and let us find you the auto insurance policy that is best for you. 

Tips for Making Your Business Safe for Employees

In as much as we abhor disasters and mishaps in the workplace, they still happen. Creating a safe work environment is critical for the success of any business. Here’s is how Green Valley, AZ businesses can help create a safe working environment for their employees:-

Train your employees
Ensure that your employees are trained on the various safety precautions they should observe and the importance of each. Get expert trainers every once in a while to sensitize on the areas that need fine-tuning. Safety in the workplace should be everyone’s business.

Develop a plan
Have a plan in place should a disaster or crisis happen. Have it written out and included in the business’ policies and procedures. Every member of staff should also have a copy. Perform a drill every six months so that each person knows what is expected of them in case of a crisis.

Acquire the necessary safety gear
Each employee should put on their safety gear and protective clothing whenever they are in the workplace. Such gear could include safety shoes, reflective gear, a helmet, gloves, and so on. The type of gear depends on the kind of business.

Streamline your safety policies
Safety policies and regulations should be clearly outlined. As well, each employee should be aware of the consequences of violating each.

Take up commercial insurance for your business

Having an insurance policy for your employees ensure that they will be compensated should an accident happen in the workplace. It also protects your business from employees should they sue you due to the accident.

Observing the above tips will not only help your business achieve a healthy and safe environment but also boost your employees’ productivity. The Insurance Center of Green Valley offers customized commercial insurance plans for Green Valley businesses. Get in touch with us today for more information.