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 Fowler, 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 Company Near Me In Fowler 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 Fowler CA 93625. 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 Fowler relies on its vehicles for transportation, then commercial auto insurance is needed. Big companies with large fleets, along with small businesses with single cars need the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers automobiles that are not covered by individual auto insurance plans, that is, cars that are used for business purposes. 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 and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service energy vehicles– SUVs). The insurance coverage in Fowler may also be referred to as fleet insurance or truck insurance.
Since personal cars are not meant for business use, they are rated and written off differently from the automobiles used commercially. The compensation plans also vary in between individual and commercial auto insurance plans.
For instance, the plan takes in account the commercial vehicles are handled by authorized workers in Fowler CA who are governed by work policies with regards to the cars. This helps the insurance company 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 policy includes different kinds of coverage.
• Bodily injury liability: this type of coverage pays for physical 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 harms another person’s property in the course of business. You may also get legal defense.
• Accident protection: This insurance coverage pays for the medical expenditures of the residents in case of a mishap, regardless of 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 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 limitation coverage (CSL): This is a coverage that offers different limits that request bodily injury and property damage. It has the same amount of coverage (in terms of money) that makes an application for either bodily injury, property damage, or whether one or more people 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 instances like floods, fire, vandalism, and theft.
In Essence
This kind of insurance coverage is meant to safeguard your business from expensive claims in case your vehicle caused the accident. It also protects the business in that its owner won’t sustain the additional cost of vehicle repair or perhaps fleet replacement no matter who caused the accident.
Therefore, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that operates an automobile during its operations.