I’m borrowing my friend’s car … am I covered?

At Sparrow General Insurance Agency we often get questions about borrowing or loaning a car and so I thought this article would be helpful.

Now that summer is here you might be looking to borrow your neighbor’s truck for a home-improvement project or a trip to the local landfill so it’s an especially good time to provide you with information about this topic.

Generally, insurance coverage follows the vehicle rather than the driver. So, thankfully, in most instances, as long as the owner of the car has insurance, it’s covered even if someone other than the owner is driving it — as long as they have the owner’s permission. read more

Summers Mean Backyard Grilling – Safely!

Just like hamburgers and hot dogs, a sizzling grill is a symbol of summer and grilling isn’t just about great food. Backyard barbecues often create treasured memories with friends and family.

Keep in mind, however, that when you grill, you’re literally playing with fire. Thousands of residents each year learn this the hard way, suffering damage to their homes or even serious injuries in grilling accidents. read more

Commercial Auto Insurance for California

Commercial Auto Insurance for California:

Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile and can provide medical payments for the driver and passengers of the policyholder’s car.
Hired/Non-owned Auto Liability:
Are you renting cars or are your employees using their own vehicles in the scope of their employment? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy. If you ever send your employee to run an errand for your business in their own vehicle then this is definitely a coverage you should consider. read more