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 Dana Point, 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 Dana Point 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 Dana Point CA 92629. 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 Dana Point counts on its cars for transportation, then commercial auto insurance is required. Huge companies with big fleets, as well as small businesses with single automobiles need the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers vehicles that are not covered by personal auto insurance plans, that is, automobiles that are utilized for business purposes. 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 types of cars utilized by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service energy automobiles– SUVs). The insurance coverage in Dana Point might also be referred to as fleet insurance or truck insurance.
Because individual cars are not meant for business use, they are rated and written off differently from the vehicles utilized commercially. The compensation plans also differ between individual and commercial auto insurance coverage.
For example, the plan takes in account the commercial vehicles are managed by authorized workers in Dana Point 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 kinds of protection.
• Physical 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 damages another individual’s property in the course of business. You may also get legal defense.
• Injury coverage: This insurance coverage pays for the medical costs of the occupants in case of a mishap, regardless of 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 chauffeur (or most of the times, a hit-and-run motorist).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that offers different limits that get bodily injury and property damage. It has the same amount of coverage (in terms of money) that requests 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 object, 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 type of insurance coverage is meant to protect your business from pricey lawsuits in case your vehicle caused the mishap. It also protects the business in that its owner won’t sustain the extra expense of vehicle repair or perhaps fleet replacement no matter who triggered the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile throughout its operations.