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 Fulton, 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 Fulton 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 Fulton CA 95439. 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 Fulton counts on its automobiles for transportation, then commercial auto insurance is needed. Big companies with big fleets, in addition to small businesses with single vehicles need the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers cars that are not covered by personal 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 kinds of vehicles used by the business, from small automobiles to heavy commercial trucks (including vans, food trucks, box trucks and service utility cars– SUVs). The insurance coverage in Fulton might also be referred to as fleet insurance or truck insurance.
Because personal automobiles are not meant for business use, they are rated and written off in a different way from the vehicles used commercially. The compensation plans also differ between individual and commercial auto insurance policies.
For example, the plan takes in account the commercial vehicles are handled by authorized employees in Fulton 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 coverage features different kinds of protection.
• Physical injury liability: this type of coverage pays for bodily injury or death, as well as offering 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 might also get legal defense.
• Injury coverage: This insurance coverage pays for the medical expenditures of the occupants in case of an accident, no matter who is at fault. It is also known as the no-fault or medical payments coverage.
• Uninsured vehicle driver coverage: This coverage pays for the injuries and to a degree, property damage brought on by an uninsured chauffeur (or in most cases, a hit-and-run driver).
Other Areas Covered By the Policy
• Integrated single limitation coverage (CSL): This is a coverage that provides separate limits that make an application for bodily injury and property damage. It has the same amount of protection (in regards to cash) that makes an application for either bodily injury, property damage, or whether one or more individuals 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 expensive claims in case your vehicle caused the accident. It also protects the business in that its owner won’t incur the extra expense of vehicle repair or even fleet replacement despite who triggered the accident.
Therefore, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile throughout its operations.