Why do I need a certificate?

To work for a broker, you will need to prove that you have insurance to legally operate in the state in case a claim arises.

What is the difference between a certificate holder and additional insured?

A certificate is simply proof of insurance whereas an additional insured names the broker/entity on the policy and provides additional protection for that entity in the event of a claim. It also ensures that should the policy cancel for any reason the broker/entity is notified ahead of the cancel date.

What is a waiver of subrogation?

A waiver provides added protection for the broker/entity in the event of a claim. It basically states that your insurance is primary and your carrier will not try and recover loss expenses from the broker/entity.

If you have issued my filings, why doesn’t the DMV have it yet?

DMV processes items in a day by day fashion. Even though something is faxed, mailed or emailed to them it is piled up and is not processed until the DMV gets to items on that date. Typically, DMV processes about two weeks out.

How do I get ahold of the commercial DMV?

The commercial DMV does not have a walk in office and regular DMV offices are not trained to handle commercial specific items. You best option is to call 916-657-8153 and speak to a commercial representative.

If I buy a truck in the middle of my policy term, does it get insured on the same policy or does it get a new independent policy?

Midterm truck purchases are always added to the existing policy. You will have to make a down payment for the coverage and then the balance is added to existing monthly payments.

How do I make my payments?

It is always best to pay your payment to the company who invoices you. Our office can take payments for the finance company and some direct bill carriers but we have to then forward said payment and it can sometimes slow the payment being credited.

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