{"id":375,"date":"2022-05-18T07:31:01","date_gmt":"2022-05-18T07:31:01","guid":{"rendered":"http:\/\/capitolrisksolutions.com\/?page_id=375"},"modified":"2022-05-18T11:37:07","modified_gmt":"2022-05-18T11:37:07","slug":"automobile-insurance","status":"publish","type":"page","link":"https:\/\/capitolrisksolutions.com\/?page_id=375","title":{"rendered":"AUTOMOBILE INSURANCE"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"375\" class=\"elementor elementor-375\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7b61cbbe elementor-section-height-min-height wd-section-stretch elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"7b61cbbe\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2098a035\" data-id=\"2098a035\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t\t<link rel=\"stylesheet\" id=\"wd-int-el-animations-css\" href=\"https:\/\/capitolrisksolutions.com\/wp-content\/themes\/woodmart\/css\/parts\/int-elem-el-animations.min.css?ver=6.3.3\" type=\"text\/css\" media=\"all\" \/> \t\t\t\t\t<div class=\"elementor-element elementor-element-36cca12b elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"36cca12b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.1 - 23-03-2022 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Automobile Insurance<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-134d6274 elementor-icon-list--layout-inline elementor-align-center elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"134d6274\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.1 - 23-03-2022 *\/\n.elementor-widget.elementor-icon-list--layout-inline .elementor-widget-container{overflow:hidden}.elementor-widget .elementor-icon-list-items.elementor-inline-items{margin-right:-8px;margin-left:-8px}.elementor-widget .elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item{margin-right:8px;margin-left:8px}.elementor-widget .elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item:after{width:auto;left:auto;right:auto;position:relative;height:100%;border-top:0;border-bottom:0;border-right:0;border-left-width:1px;border-style:solid;right:-8px}.elementor-widget .elementor-icon-list-items{list-style-type:none;margin:0;padding:0}.elementor-widget .elementor-icon-list-item{margin:0;padding:0;position:relative}.elementor-widget .elementor-icon-list-item:after{position:absolute;bottom:0;width:100%}.elementor-widget .elementor-icon-list-item,.elementor-widget .elementor-icon-list-item a{display:-webkit-box;display:-ms-flexbox;display:flex;-webkit-box-align:center;-ms-flex-align:center;align-items:center;font-size:inherit}.elementor-widget .elementor-icon-list-icon+.elementor-icon-list-text{-ms-flex-item-align:center;align-self:center;padding-left:5px}.elementor-widget .elementor-icon-list-icon{display:-webkit-box;display:-ms-flexbox;display:flex}.elementor-widget .elementor-icon-list-icon svg{width:var(--e-icon-list-icon-size,1em);height:var(--e-icon-list-icon-size,1em)}.elementor-widget .elementor-icon-list-icon i{width:1.25em;font-size:var(--e-icon-list-icon-size)}.elementor-widget.elementor-widget-icon-list .elementor-icon-list-icon{text-align:var(--e-icon-list-icon-align)}.elementor-widget.elementor-widget-icon-list .elementor-icon-list-icon svg{margin:var(--e-icon-list-icon-margin,0 calc(var(--e-icon-list-icon-size, 1em) * .25) 0 0)}.elementor-widget.elementor-list-item-link-full_width a{width:100%}.elementor-widget.elementor-align-center .elementor-icon-list-item,.elementor-widget.elementor-align-center .elementor-icon-list-item a{-webkit-box-pack:center;-ms-flex-pack:center;justify-content:center}.elementor-widget.elementor-align-center .elementor-icon-list-item:after{margin:auto}.elementor-widget.elementor-align-center .elementor-inline-items{-webkit-box-pack:center;-ms-flex-pack:center;justify-content:center}.elementor-widget.elementor-align-left .elementor-icon-list-item,.elementor-widget.elementor-align-left .elementor-icon-list-item a{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start;text-align:left}.elementor-widget.elementor-align-left .elementor-inline-items{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start}.elementor-widget.elementor-align-right .elementor-icon-list-item,.elementor-widget.elementor-align-right .elementor-icon-list-item a{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end;text-align:right}.elementor-widget.elementor-align-right .elementor-icon-list-items{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end}.elementor-widget:not(.elementor-align-right) .elementor-icon-list-item:after{left:0}.elementor-widget:not(.elementor-align-left) .elementor-icon-list-item:after{right:0}@media (max-width:1024px){.elementor-widget.elementor-tablet-align-center .elementor-icon-list-item,.elementor-widget.elementor-tablet-align-center .elementor-icon-list-item a,.elementor-widget.elementor-tablet-align-center .elementor-icon-list-items{-webkit-box-pack:center;-ms-flex-pack:center;justify-content:center}.elementor-widget.elementor-tablet-align-center .elementor-icon-list-item:after{margin:auto}.elementor-widget.elementor-tablet-align-left .elementor-icon-list-items{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start}.elementor-widget.elementor-tablet-align-left .elementor-icon-list-item,.elementor-widget.elementor-tablet-align-left .elementor-icon-list-item a{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start;text-align:left}.elementor-widget.elementor-tablet-align-right .elementor-icon-list-items{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end}.elementor-widget.elementor-tablet-align-right .elementor-icon-list-item,.elementor-widget.elementor-tablet-align-right .elementor-icon-list-item a{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end;text-align:right}.elementor-widget:not(.elementor-tablet-align-right) .elementor-icon-list-item:after{left:0}.elementor-widget:not(.elementor-tablet-align-left) .elementor-icon-list-item:after{right:0}}@media (max-width:767px){.elementor-widget.elementor-mobile-align-center .elementor-icon-list-item,.elementor-widget.elementor-mobile-align-center .elementor-icon-list-item a,.elementor-widget.elementor-mobile-align-center .elementor-icon-list-items{-webkit-box-pack:center;-ms-flex-pack:center;justify-content:center}.elementor-widget.elementor-mobile-align-center .elementor-icon-list-item:after{margin:auto}.elementor-widget.elementor-mobile-align-left .elementor-icon-list-items{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start}.elementor-widget.elementor-mobile-align-left .elementor-icon-list-item,.elementor-widget.elementor-mobile-align-left .elementor-icon-list-item a{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start;text-align:left}.elementor-widget.elementor-mobile-align-right .elementor-icon-list-items{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end}.elementor-widget.elementor-mobile-align-right .elementor-icon-list-item,.elementor-widget.elementor-mobile-align-right .elementor-icon-list-item a{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end;text-align:right}.elementor-widget:not(.elementor-mobile-align-right) .elementor-icon-list-item:after{left:0}.elementor-widget:not(.elementor-mobile-align-left) .elementor-icon-list-item:after{right:0}}<\/style>\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Services Details<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e34fbc4 elementor-section-boxed elementor-section-height-default elementor-section-height-default wd-section-disabled\" data-id=\"e34fbc4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2207f1e\" data-id=\"2207f1e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47ce94a elementor-widget elementor-widget-wd_image_or_svg\" data-id=\"47ce94a\" data-element_type=\"widget\" data-widget_type=\"wd_image_or_svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"wd-image text-center\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"600\" src=\"https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/ktm-ax-gelaendefahrzeugkonzept-7-1.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/ktm-ax-gelaendefahrzeugkonzept-7-1.jpg 1200w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/ktm-ax-gelaendefahrzeugkonzept-7-1-300x150.jpg 300w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/ktm-ax-gelaendefahrzeugkonzept-7-1-1024x512.jpg 1024w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/ktm-ax-gelaendefahrzeugkonzept-7-1-768x384.jpg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-98838b8\" data-id=\"98838b8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8c50e54 elementor-widget elementor-widget-wd_text_block\" data-id=\"8c50e54\" data-element_type=\"widget\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<link rel=\"stylesheet\" id=\"wd-text-block-css\" href=\"https:\/\/capitolrisksolutions.com\/wp-content\/themes\/woodmart\/css\/parts\/el-text-block.min.css?ver=6.3.3\" type=\"text\/css\" media=\"all\" \/> \t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<p>Premiums are based upon the number of vehicles, the type of vehicles and size , the range typically driven and to a lesser degree, the age of the vehicle.\u00a0<\/p><p>The typical coverages in a business auto policy are :\u00a0 Liability, Physical Damage to the insured vehicle, Medical Payments, Uninsured and Underinsured damage coverage.\u00a0 Most agents sell everything.\u00a0 Frankly, they don\u2019t understand the nuance of auto coverage.\u00a0 This type of business insurance, in particular, is one where choices can be made to limit coverage smartly and save money.\u00a0\u00a0<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-04a85cf elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default wd-section-disabled\" data-id=\"04a85cf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-649e24c\" data-id=\"649e24c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a9b64e8 elementor-widget elementor-widget-wd_text_block\" data-id=\"a9b64e8\" data-element_type=\"widget\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<p>Most of us own a car so auto insurance is the most well known of coverages that may apply to a business.\u00a0 There are a few differences between your personal auto policy and business auto policy.\u00a0 One key difference is \u201cwho is the insured\u201d.\u00a0 Your personal auto policy insures the owner of the vehicle(s).\u00a0 Naturally, this is the individual or couple who might have their name on the ownership of the vehicle(s).\u00a0 If you drive another vehicle that is not owned by you, that vehicle\u2019s insurance is typically the primary insurance, however, your personal auto coverage may apply as well.\u00a0<\/p><p>Business auto is different.\u00a0 While personal auto typically follows the driver, business auto coverage follow the business.\u00a0 An individual does not have coverage under the business policy while driving a vehicle that is not insured by that business.\u00a0 Coverage can be amended to do so by specific driver.\u00a0 This is common but an additional premium is charged per driver.\u00a0 This is called the\u00a0 \u201c Employees as Insureds\u201d endorsement.\u00a0 It is common for business owners or salespeople who may not own a vehicle in their name and not have a personal auto policy.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a9f093f\" data-id=\"a9f093f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ddbeafe elementor-widget elementor-widget-wd_image_or_svg\" data-id=\"ddbeafe\" data-element_type=\"widget\" data-widget_type=\"wd_image_or_svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"wd-image text-center\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"680\" src=\"https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/LOS03007T1_a01.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/LOS03007T1_a01.jpg 1400w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/LOS03007T1_a01-300x146.jpg 300w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/LOS03007T1_a01-1024x497.jpg 1024w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/LOS03007T1_a01-768x373.jpg 768w\" sizes=\"auto, (max-width: 1400px) 100vw, 1400px\" \/>\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Automobile Insurance Home Services Details Premiums are based upon the number of vehicles, the type of vehicles and size ,<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-375","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/pages\/375","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=375"}],"version-history":[{"count":10,"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/pages\/375\/revisions"}],"predecessor-version":[{"id":602,"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/pages\/375\/revisions\/602"}],"wp:attachment":[{"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=375"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}