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 Cottonwood, 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 Agency Near Me In Cottonwood 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 Cottonwood CA 96022. 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 Cottonwood counts on its cars for transportation, then commercial auto insurance is needed. Big 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 personal auto insurance plans, that is, vehicles that are utilized for business functions. The insurance covers for damages, injuries, and liabilities sustained during the use of the automobiles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of cars used by the business, from small vehicles to heavy commercial trucks (including vans, food trucks, box trucks and service energy cars– SUVs). The insurance coverage in Cottonwood might also be referred to as fleet insurance or truck insurance.
Because individual vehicles are not meant for business usage, they are rated and written off differently from the cars used commercially. The compensation plans also vary in between individual and commercial auto insurance plans.
For example, the plan takes in account the commercial cars are managed by licensed staff members in Cottonwood 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 accidents, damages, as well as death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance coverage includes numerous types of coverage.
• Bodily injury liability: this kind of coverage pays for bodily injury or death, in addition to providing 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.
• Accident coverage: This insurance coverage pays for the medical expenses of the occupants in the event of a mishap, despite who is at fault. It is also known as the no-fault or medical payments coverage.
• Uninsured driver coverage: This coverage pays for the injuries and to a degree, property damage brought on by an uninsured motorist (or most of the times, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that offers separate limits that make an application for physical injury and property damage. It has the same quantity of protection (in regards to cash) that gets either physical injury, property damage, or whether several people were involved in the mishap.
• Crash coverage: This coverage pays for your vehicle when it is hit by another item, or when it caused the collision.
• 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 protect your business from costly lawsuits in case your vehicle triggered the mishap. It also protects the business in that its owner won’t sustain the additional cost of vehicle repair and even fleet replacement regardless of who triggered the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile during its operations.