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 Diablo, 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 Diablo 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 Diablo CA 94528. 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 Diablo depends on its automobiles for transport, then commercial auto insurance is needed. Big companies with big fleets, in addition to small businesses with single cars 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, automobiles that are utilized for business purposes. The insurance covers for damages, injuries, and liabilities sustained throughout the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of vehicles utilized 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 Diablo may also be referred to as fleet insurance or truck insurance.
Since personal vehicles are not meant for business usage, they are rated and written off differently from the vehicles used 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 licensed staff members in Diablo 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 Consists Of
The commercial auto insurance plan comes with various kinds of coverage.
• Physical injury liability: this type of coverage pays for bodily injury or death, in addition to supplying 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 occupants in the event of an accident, despite who is at fault. It is also called the no-fault or medical payments coverage.
• Uninsured motorist coverage: This coverage pays for the injuries and to an extent, property damage caused by an uninsured chauffeur (or in most cases, a hit-and-run motorist).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that provides different limits that look for bodily injury and property damage. It has the same amount of coverage (in regards to cash) that makes an application for either bodily injury, property damage, or whether several individuals were involved in the mishap.
• Accident coverage: This coverage pays for your vehicle when it is hit by another object, 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 kind of insurance coverage is meant to safeguard your business from costly claims in case your vehicle caused the accident. It also protects the business in that its owner won’t incur the additional cost of vehicle repair or even fleet replacement no matter who caused the mishap.
Hence, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that runs an automobile throughout its operations.