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Car Insurance Question

Discussion in 'General Signmaking Topics' started by JgS, Feb 5, 2013.

  1. JgS

    JgS Member

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    A customer came to me this morning wanting the vinyl lettering removed from her car's back window. She told me a friend of hers with similar lettering was recently in an accident and insurance wouldn't cover the damages because of the lettering. The insurance company claimed the lettering made it a fleet vehicle. This may be a noob question, but is this a common problem, and something I need to be warning my customers about? Or is it most likely the friend had cut-rate insurance?
     
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  2. AKProbeGT

    AKProbeGT Premium Subscriber

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    Jan 17, 2008
    Hanover, PA
    I've never heard of that. Probably going to vary based on the insurance carrier and your states laws.
     
  3. signage

    signage Major Contributor

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    Insurance companies look for anyway to get out of paying for a claim! What was the vinyl on the back window for? If it was a business and contact info, I could see them refusing to pay for a vehicle insured as personal use!
     
  4. cajun312

    cajun312 Active Member

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    Probably different in every state, in Louisiana if you have your business name on the vehicle, the vehicle has to be licensed and insured as a commercial vehicle.
     
  5. James Burke

    James Burke Being a grandpa is more fun than working

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    That's the case here in Michigan.

    I'm not so sure it qualifies as a "fleet" vehicle, but it could qualify as a "commercial" vehicle. The only way to know for sure is to contact your insurance agent.

    I see so many cars around here that are fully decked out with the logos of MLM's or their home-based business, and I wonder if their signmaker let them know of the liability.

    JB
     
  6. HDvinyl

    HDvinyl Trump 2020

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    halfway house.
    My first ever cut vinyl job was like this. I never knew the US DOT had to be displayed.

    Customer found out fast, $2500 ticket.

    He's no longer my customer :)
     
  7. Kentucky Wraps

    Kentucky Wraps Kentucky Wraps

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    Since when was it your responsibility to know and inform your customers of their legal obligations to the transportation laws or any other kind?
     
  8. HDvinyl

    HDvinyl Trump 2020

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    halfway house.
    Regardless, I now require US DOT numbers to be purchased.

    I am a sign company, I should know what's required of signs.(that's what I took from it)
     
  9. Techman

    Techman Major Contributor

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    When I lived there.. This was not the case.

    Besides we are not the insurance agent or the DOT cop.
     
  10. TammieH

    TammieH Very Active Member

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    Sign Person: Carpenter/Painter/Designer/Electrician/Welder/Graphic Artist/Construction/Silkscreen/Insurance Adviser
     
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