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 Catheys Valley, 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 Catheys Valley 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 Catheys Valley CA 95306. 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 Catheys Valley depends on its automobiles for transportation, then commercial auto insurance is required. Big companies with big fleets, in addition to small businesses with single vehicles need the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers vehicles that are not covered by personal auto insurance plans, that is, vehicles that are used for business functions. The insurance covers for damages, injuries, and liabilities sustained throughout the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all types of vehicles used 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 Catheys Valley may also be referred to as fleet insurance or truck insurance.
Because personal cars are not meant for business use, they are rated and written off in a different way from the vehicles used commercially. The compensation plans also differ between personal and commercial auto insurance policies.
For instance, the plan takes in account the commercial vehicles are dealt with by licensed staff members in Catheys Valley CA who are governed by work policies with regards to the vehicles. This helps the insurance provider know when and who to appropriate the blame in case of mishaps, damages, and even death.
What Commercial Auto Insurance Includes
The commercial auto insurance policy comes with numerous kinds of coverage.
• Physical injury liability: this type of coverage pays for bodily 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 person’s property in the course of business. You may also get legal defense.
• Accident protection: This insurance coverage pays for the medical expenses of the residents in the event of a mishap, no matter who is at fault. It is also referred to as the no-fault or medical payments coverage.
• Uninsured motorist coverage: This coverage pays for the injuries and to an extent, property damage brought on by an uninsured motorist (or in many cases, a hit-and-run motorist).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that offers different limitations that request bodily injury and property damage. It has the same quantity of protection (in terms of cash) that looks for either physical injury, property damage, or whether several individuals were involved in the accident.
• Accident coverage: This coverage pays for your vehicle when it is hit by another object, or when it triggered the crash.
• 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 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 won’t incur the extra cost of vehicle repair or even fleet replacement despite who caused the accident.
Therefore, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that operates an automobile throughout its operations.