Vehicles used for business purposes are typically easy to identify and know whether you need commercial auto insurance. But if you use a car, for example, to run business-related errands or transport clients or tools, you may need commercial auto insurance for that vehicle. So in order to not just be in compliance with the laws of Aliso Viejo, but also your own peace of mind, look to the experts at California Contractors Insurance. We provide the most comprehensive and affordable commercial auto insurance in the state. Our coverages are designed for any type of vehicle you have in your stable whether it’s cars, trucks, or vans, etc.
Commercial Auto Insurance Experts Near Me In Aliso Viejo California
What can you expect when you work with California Contractors Insurance for your commercial auto insurance needs? Besides the best agents in the state of California, you’ll get the most affordable yet comprehensive coverage in Aliso Viejo CA 92656. Which includes coverage for any vehicle, liability, medical payments, physical damage, hired auto, uninsured motorist, non-owned coverage, and more. You’ll get this coverage tailored by a professional with vast knowledge and experience with commercial auto insurance. This will provide you with the peace of mind you need not to mention satisfying all state of California legal requirements. As an independent contractor, this is the commercial auto insurance you need.
Free Commercial Auto Insurance Quote – (888) 728-4034
Regardless of the number and types of vehicles your business utilizes, the knowledgeable commercial auto insurance agents at California Contractors Insurance can provide you with the policy and coverage you need. So call us today at (888) 728-4034, request a quote, or ask a question of one of our friendly associates. You’ll be glad you did.
More About Commercial Auto Insurance
Comprehending What Commercial Auto Insurance Is
If your business in Aliso Viejo depends on its automobiles for transportation, then commercial auto insurance is needed. Huge companies with big fleets, along with small businesses with single automobiles require the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers cars that are not covered by individual auto insurance plans, that is, vehicles that are used for business purposes. The insurance covers for damages, injuries, and liabilities sustained throughout the use of the automobiles.
What Is Covered?
The commercial vehicle insurance plan covers all types of cars utilized by the business, from small cars to heavy commercial trucks (including vans, food trucks, box trucks and service energy cars– SUVs). The insurance coverage in Aliso Viejo might also be referred to as fleet insurance or truck insurance.
Because individual automobiles are not meant for business use, they are rated and written off differently from the cars utilized commercially. The compensation plans also vary between personal and commercial auto insurance policies.
For example, the plan takes in account the commercial vehicles are dealt with by licensed staff members in Aliso Viejo CA who are governed by work policies with regards to the vehicles. This helps the insurer know when and who to appropriate the blame in case of mishaps, damages, and even death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance coverage comes with various types of coverage.
• Physical injury liability: this kind of coverage pays for bodily injury or death, along with supplying with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle damages another person’s property in the course of business. You might also get legal defense.
• Injury coverage: This insurance coverage pays for the medical expenses of the occupants in case of a mishap, no matter who is at fault. It is also referred to as the no-fault or medical payments coverage.
• Uninsured vehicle driver coverage: This coverage pays for the injuries and to an extent, property damage triggered by an uninsured chauffeur (or in most cases, a hit-and-run motorist).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that provides separate limits that make an application for physical injury and property damage. It has the same amount of coverage (in terms of cash) that gets either physical injury, property damage, or whether one or more individuals were involved in the mishap.
• Accident coverage: This coverage pays for your vehicle when it is struck by another item, or when it caused the collision.
• Comprehensive physical damage coverage: This coverage pays for the vehicle in case of other uncontrollable instances like floods, fire, vandalism, and theft.
In Essence
This type of insurance coverage is meant to safeguard your business from expensive lawsuits in case your vehicle caused the mishap. It also protects the business in that its owner will not incur the additional cost of vehicle repair or perhaps fleet replacement no matter who caused the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile throughout its operations.