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 Herlong, 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 Agency Near Me In Herlong 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 Herlong CA 96113. 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 Herlong depends on its vehicles for transportation, then commercial auto insurance is needed. Huge companies with large fleets, in addition to small businesses with single vehicles require the insurance plan in place.
The commercial auto insurance policy is an insurance plan that covers vehicles that are not covered by personal auto insurance plans, that is, vehicles that are utilized for business purposes. The insurance covers for damages, injuries, and liabilities incurred throughout the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all types of vehicles utilized by the business, from small automobiles to heavy commercial trucks (including vans, food trucks, box trucks and service utility vehicles– SUVs). The insurance coverage in Herlong might also be referred to as fleet insurance or truck insurance.
Since individual automobiles are not meant for business usage, they are rated and written off in a different way from the cars utilized commercially. The compensation plans also differ in between individual and commercial auto insurance policies.
For example, the plan takes in account the commercial automobiles are handled by licensed staff members in Herlong CA who are governed by work policies with regards to the automobiles. This helps the insurance company know when and who to appropriate the blame in case of accidents, damages, and even death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance policy includes various kinds of protection.
• Bodily injury liability: this type of coverage pays for physical 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 damages another person’s property in the course of business. You may also get legal defense.
• Personal injury coverage: This insurance coverage pays for the medical expenditures of the occupants in the event of a mishap, despite who is at fault. It is also referred to as the no-fault or medical payments coverage.
• Uninsured driver coverage: This coverage pays for the injuries and to an extent, property damage brought on by an uninsured driver (or in many cases, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that provides different limits that get physical injury and property damage. It has the same quantity of coverage (in regards to money) that makes an application for either bodily injury, property damage, or whether several people were involved in the accident.
• Collision 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 instances like floods, fire, vandalism, and theft.
In Essence
This kind of insurance coverage is meant to protect your business from expensive lawsuits in case your vehicle triggered the mishap. It also protects the business in that its owner won’t incur the extra expense of vehicle repair and even fleet replacement no matter who triggered the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that runs an automobile during its operations.