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Personal Vehicle Sharing Programs and the Personal Auto Policy
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It is happening in Alaska.  Enterprise and Hertz both have a vehicle sharing program.  These companies probably have the *'right' auto coverage for their vehicles, but are they incorporating citizen vehicles as well?  If you are thinking about using your vehicle to make a couple of extra dollars in a vehicle ride sharing program, you probably DON"T have the *'right' coverage.  The personal auto policy written by most companies will have a very strong exclusion for this type of activity.  Okay, so you don't extend your vehicle to a vehicle sharing program, you just drive for Uber or Lyft in your spare time to make an extra buck.  You are good, right?  You are driving, not some stranger.  WRONG!  This type of exposure is excluded in the personal auto policy under an exclusion called, "Public or Livery Conveyance exclusion".  If you are going to participate in either or both of these programs or any similar programs of this nature, you need to contact your insurance agent/broker and ask what type of coverage you will need to cover you while you are participating in either a ride sharing or vehicle sharing program. ​
*In this instance, 'right' stands for coverage that will apply during a ride share or vehicle sharing program.

Successful Trip to SE Alaska

2/15/2018

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I just got back from a successful trip to Ketchikan and Petersburg.  I love SE and it was my pleasure to be asked to come down to conduct CE classes on site.  I always enjoy seeing the participants and interacting with them.  The folks who live in remote areas of Alaska often have only two choices to get their continuing education: 1) take classes on the internet or 2) fly out and take live classes in Anchorage or somewhere in the lower 48.  By bringing me to the agency to conduct classes, the staff get an opportunity to interact with me and ask questions.  We can also discuss specific claims or situations because it all stays in-house.  This is very beneficial for many staff members.  

​I offer this service in Anchorage as well.  Several agencies have brought me in to do an in-house ethics class or to do a seminar for their clients/staff.  If you are interested in having me come to you, all you have to do is let me know and we can talk about subject matter, dates, costs and all that jazz.

​I want to send a great big THANK YOU to the owners of Davies-Barry insurance agency in Ketchikan and Petersburg-Wrangell insurance in Petersburg for inviting me to come on-site to conduct classes for their staff.  

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    Author-Margaret Varlamos

    Owner of ILP of Alaska and Insurance Consultants of Alaska

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