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 Garden Valley, 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 Garden Valley 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 Garden Valley CA 95633. 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 Garden Valley relies on its vehicles for transportation, then commercial auto insurance is needed. Big companies with large fleets, in addition to small businesses with single vehicles need the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers automobiles that are not covered by individual auto insurance plans, that is, vehicles that are used 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 types of vehicles used by the business, from small vehicles to heavy commercial trucks (including vans, food trucks, box trucks and service utility automobiles– SUVs). The insurance coverage in Garden Valley may 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 automobiles used commercially. The compensation plans also vary between individual and commercial auto insurance coverage.
For instance, the plan takes in account the commercial cars are handled by licensed staff members in Garden Valley CA who are governed by work policies with regards to the vehicles. This helps the insurance company know when and who to appropriate the blame in case of mishaps, damages, and even death.
What Commercial Auto Insurance Includes
The commercial auto insurance plan features different kinds of coverage.
• Bodily injury liability: this type of coverage pays for physical injury or death, in addition to 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.
• Personal injury protection: This insurance coverage pays for the medical expenditures of the residents in case of an accident, 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 a degree, property damage triggered by an uninsured chauffeur (or in many cases, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Integrated single limitation coverage (CSL): This is a coverage that provides different limitations that get bodily injury and property damage. It has the same amount of coverage (in terms of cash) that makes an application for either bodily injury, property damage, or whether one or more individuals were involved in the mishap.
• Collision coverage: This coverage pays for your vehicle when it is hit by another item, 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 costly suits in case your vehicle caused the mishap. It also protects the business in that its owner won’t sustain the extra cost of vehicle repair or even fleet replacement regardless of who triggered the accident.
Therefore, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that runs an automobile throughout its operations.