Thanksgiving Travel and Business Operations: Insurance Questions California Drivers and Business Owners Should Review Before the Holiday

As Thanksgiving approaches, California families and business owners may be preparing for road trips, family gatherings, changing work schedules, and increased travel.

Fortaleza Insurance Agency is encouraging drivers and business owners to take a few minutes before the holiday to review how their current auto insurance may apply when normal routines change.

For California drivers, Thanksgiving can mean longer trips, additional passengers, borrowed vehicles, and more time on the road. Understanding liability limits, collision and comprehensive coverage, uninsured/underinsured motorist protection, rental reimbursement, and who is covered to drive the vehicle can help identify questions worth asking before traveling.

Business owners may have additional considerations.

Employees may drive company vehicles, use personal vehicles for business errands, or operate rented or other vehicles connected with business activities. Depending on the policy and coverage selected, owned, hired, and non-owned vehicles can present different insurance considerations.

Before Thanksgiving and year-end, California business owners may want to review:

• Which employees are authorized to drive for the business
• Whether company vehicles and drivers are current on the policy
• How Commercial Auto coverage applies to business operations
• Whether employees ever use personal vehicles for business purposes
• Whether rented or temporarily used vehicles may create additional coverage questions
• Whether any business activities, locations, vehicles, or operations have changed since the last insurance review

California families may also want to ask:

• Who is covered to drive the household vehicles
• Whether current liability limits still fit their situation
• Whether uninsured/underinsured motorist coverage is included
• Whether rental reimbursement is available after a covered loss
• Whether any drivers or vehicles have changed since the last renewal

“Holiday schedules can change how families and businesses use their vehicles,” said Susan Marsilio, Owner and Principal Agent of Fortaleza Insurance Agency. “The goal is not to create worry. It is to help people understand what they already have and identify questions worth reviewing before they need to use their insurance.”

Fortaleza Insurance Agency is an independent California insurance agency based in San Dimas and serving clients throughout the state.

For personal auto information, visit:
https://fortalezains.com/auto-insurance/

For business insurance education, visit:
https://fortalezains.com/business-insurance-check/

Real People. Real Protection. Right on Time.