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 Chatsworth, 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 Specialists Near Me In Chatsworth 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 Chatsworth CA 91311. 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 Chatsworth depends on its vehicles for transport, then commercial auto insurance is needed. Big companies with big fleets, along with small businesses with single vehicles require the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers automobiles that are not covered by personal auto insurance plans, that is, cars that are utilized for business functions. The insurance covers for damages, injuries, and liabilities incurred throughout the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of vehicles used by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service utility automobiles– SUVs). The insurance coverage in Chatsworth may also be referred to as fleet insurance or truck insurance.
Because personal automobiles are not meant for business usage, they are rated and written off differently from the vehicles utilized commercially. The compensation plans also differ in between personal and commercial auto insurance policies.
For instance, the plan takes in account the commercial automobiles are dealt with by licensed workers in Chatsworth CA who are governed by work policies with regards to the cars. This helps the insurance provider know when and who to appropriate the blame in case of accidents, damages, as well as death.
What Commercial Auto Insurance Includes
The commercial auto insurance plan includes different types of protection.
• Bodily injury liability: this kind of coverage pays for bodily injury or death, in addition to offering with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle harms another individual’s property in the course of business. You might also get legal defense.
• Injury protection: This insurance coverage pays for the medical expenditures of the occupants in the event of an accident, despite who is at fault. It is also called the no-fault or medical payments coverage.
• Uninsured vehicle driver coverage: This coverage pays for the injuries and to an extent, property damage caused by an uninsured driver (or in many cases, a hit-and-run driver).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that provides different limits that make an application for physical injury and property damage. It has the same quantity of protection (in regards to money) that gets either physical injury, property damage, or whether one or more people were involved in the mishap.
• Collision coverage: This coverage pays for your vehicle when it is struck by another item, or when it caused 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 type of insurance coverage is meant to safeguard your business from costly claims in case your vehicle caused the mishap. It also protects the business in that its owner won’t sustain the additional cost of vehicle repair or even fleet replacement despite who triggered the mishap.
Hence, it’s a no-brainer that commercial auto insurance coverage is necessary for any business that runs an automobile throughout its operations.