Uninsured Motorist

Something just came up  for one of my clients that I thought might be of  interest  for other small business people. I am sure you all have automobile coverage. One of the coverage's under an automobile policy is Uninsured Motorists. My client was  the victim  of a hit and run driver. They have not been able to identify the person that hit her.  My client had Uinsured Motorists coverage but because they can’t identify the driver, there is no coverage for any physical injuries, the interruption of her business, because of her injuries  and  damage to her vehicle.  There is limited coverage under medical payments. This is standard in the insurance  industry. It also should be noted that her business interruption coverage under her business does not cover this either.

You may want to talk to your broker about this and consider a disability policy.

Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA  94116
shauge@cal-insure.com
415-680-2188