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 Castroville, 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 Company Near Me In Castroville 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 Castroville CA 95012. 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
Understanding What Commercial Auto Insurance Is
If your business in Castroville relies on its cars for transport, then commercial auto insurance is needed. Big companies with big fleets, along with small businesses with single cars need the insurance plan in place.
The commercial auto insurance policy is an insurance plan that covers automobiles that are not covered by individual auto insurance plans, that is, automobiles that are utilized for business purposes. The insurance covers for damages, injuries, and liabilities incurred during the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all types of automobiles used by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service energy cars– SUVs). The insurance coverage in Castroville might also be referred to as fleet insurance or truck insurance.
Given that personal vehicles are not meant for business use, they are rated and written off differently from the cars utilized commercially. The compensation plans also differ in between individual and commercial auto insurance policies.
For instance, the plan takes in account the commercial cars are dealt with by authorized staff members in Castroville CA who are governed by work policies with regards to the automobiles. This helps the insurance provider know when and who to appropriate the blame in case of mishaps, damages, as well as death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance plan includes different kinds of coverage.
• Bodily injury liability: this type of coverage pays for physical injury or death, as well as providing with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle damages another individual’s property in the course of business. You may also get legal defense.
• Accident coverage: This insurance coverage pays for the medical expenses of the occupants in case of an accident, regardless of who is at fault. It is also called the no-fault or medical payments coverage.
• Uninsured driver coverage: This coverage pays for the injuries and to a degree, property damage caused by an uninsured motorist (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 offers different limits that make an application for bodily injury and property damage. It has the same amount of coverage (in terms of cash) that applies for either bodily injury, property damage, or whether one or more individuals were involved in the accident.
• Collision coverage: This coverage pays for your vehicle when it is struck by another item, or when it triggered the crash.
• Comprehensive physical damage coverage: This coverage pays for the vehicle in case of other uncontrollable circumstances like floods, fire, vandalism, and theft.
In Essence
This kind of insurance coverage is meant to protect your business from pricey lawsuits in case your vehicle triggered the mishap. It also protects the business in that its owner will not incur the additional cost of vehicle repair or perhaps fleet replacement despite who caused the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that runs an automobile during its operations.