Don't Risk It: Check Your Insurance Before Advertising on Your Car

Click For Summary

Discussion Overview

The thread discusses the implications of putting advertising on personal vehicles, particularly in relation to insurance coverage. Participants share their experiences and concerns about how advertising may classify their vehicles as commercial, potentially affecting their insurance policies.

Discussion Character

  • Anecdotal
  • Opinion-based
  • Exploratory

Main Points Raised

  • One participant, identifying as a consultant, shares a cautionary tale about a friend who faced insurance issues after advertising on her vehicle.
  • Another participant mentions needing to check with their insurance company regarding the classification of advertising based on the information provided on the vehicle.
  • Several users express that advertising is only considered as such if contact information is included, with one participant affirming this understanding.
  • One participant reports that their insurance agent confirmed they could have decals as long as business use is under a certain percentage.
  • Another participant notes that insurance policies may vary significantly by state, with some stating that commercial policies are required regardless of the decal's content.
  • One participant shares that their insurance company allows the use of a logo decal without additional contact information, treating it similarly to a bumper sticker.
  • Another participant mentions that their insurance agent indicated they would be covered as long as business use is less than 50% of the time.
  • One participant expresses concern about visibility issues when using decals on their vehicle.

Areas of Agreement / Disagreement

Views differ significantly among participants regarding the requirements and implications of advertising on vehicles, with no clear consensus emerging on the best practices or policies across different states.

Contextual Notes

Participants share personal experiences and insights based on their interactions with various insurance companies, highlighting the variability in policies and regulations by state.

Who May Find This Useful

Consultants considering vehicle advertising may find the shared experiences and insights relevant as they navigate their own insurance inquiries.

Checked with mine in North Carolina and no changes are necessary, I'm allowed to put contact info on my personal car.
 
State Farm DOES offer a multi-policy discount. However, the car insurance is higher than my current provider ... so I'm just buying myself some time. Meanwhile, I'm happily insured by my previous provider.

I figure it was State Farm's dumb fault for being so insistant on having proof that I owned the car before they'd insure it!
 
Di_Can_Cook said:
State Farm DOES offer a multi-policy discount. However, the car insurance is higher than my current provider ... so I'm just buying myself some time. Meanwhile, I'm happily insured by my previous provider.

I figure it was State Farm's dumb fault for being so insistant on having proof that I owned the car before they'd insure it!
Click to expand...

My SF used to want to see my cars when I changed them. But I've had a relationship now with her for.... *counting on fingers and toes* almost 20 years... so phone calls are all I need to do and my agent and her staff are so friendly and helpful whether I call or just pop in. They also cover my house and offer a lot of other incentives and insurances (like life and business)... other places may save me a few bucks but I'll stick with who I know and who knows me.
 
Just checked on MN and it needs to be considered business use. Wonder if you can write off the payment on the vehicle then also???
Schel
 
got my decal put on my car today!!!!

i will see how this creates business!!
 
I know this is an old thread...buuuuttt...
Would this be different if I had the magnets on my car? I mean, since they're completely temporary and not permanent like the decals (yes, I know the decals aren't forever permanent, but they are a permanent adhesive)
 
ShelbyMichalek said:
I know this is an old thread...buuuuttt...
Would this be different if I had the magnets on my car? I mean, since they're completely temporary and not permanent like the decals (yes, I know the decals aren't forever permanent, but they are a permanent adhesive)
Click to expand...

Your best bet would be to check with your insurance person. The laws vary from state to state. Here in GA, having the logo and my contact info on my car, even permanently, doesn't change the classification on my insurance, or cost more.
 
NooraK said:
Your best bet would be to check with your insurance person. The laws vary from state to state. Here in GA, having the logo and my contact info on my car, even permanently, doesn't change the classification on my insurance, or cost more.
Click to expand...
True - and here in Michigan,even if it's just a magnetic sign, it DOES change your classification and increase your insurance cost greatly. Like we don't already have the highest insurance rates in the nation...grrrr...


So everyone needs to check with their insurance agent to find out for their State what the rules are.
 
i have state farm and live in tx - no changes needed.
 
I love my decals. My van died this week. As we were starting our vehicle search I told The Furry Guy that I intended to get new decals to go on the new vehicle. Mr. Frugal, the guy who questions every expense, said, "Oh, of course." They've now been ordered.
 
You must log in or register to reply here.

Similar Pampered Chef Threads

Another Merrill Car Window Logo Testimonial!
  • Sheila
    • Pampered Chef Sales
2 3
Replies
66
Views
9K
Sheila
Boost Your Business with Car Decals: A Story of Success and Tips for Advertising
  • deanna_g
    • Pampered Chef Sales
2 3
Replies
65
Views
10K
chefjeanine
Do window decals for businesses affect your car insurance rates?
  • amy07
    • Pampered Chef Sales
Replies
9
Views
2K
sfdavis918
ifYou See This on Facebook, Please Don't Use It!
  • Sheila
    • Pampered Chef Sales
Replies
13
Views
4K
CookinWithLynda
Thing to Remember for Your Taxes...
  • rennea
    • Pampered Chef Finances
Replies
8
Views
2K
reba515
Director Merrill Car Window Logo Testimonial!
  • Sheila
    • Recruiting and Team Leaders
Replies
20
Views
4K
Sheila
Maximizing Your Business Reach: Advertising on Google with $100 Credit
  • Intrepid_Chef
    • Business, Marketing and Customer Service
Replies
4
Views
2K
AnaCash
Snowstorms Sabotage My Home Show!
  • Lexif424
    • Pampered Chef Sales
Replies
4
Views
2K
Wildfire
Double Check Commission Statements
  • Becca_in_MD
    • Pampered Chef Finances
Replies
7
Views
2K
raebates
Rant State Farm Insurance: Our Frustrating Experience and Warning to Others
  • lesliec
    • Pampered Chef Finances
Replies
12
Views
2K
flemings99
Back
Top