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 Hinkley, 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 Hinkley 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 Hinkley CA 92347. 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 Hinkley depends on its vehicles for transport, then commercial auto insurance is required. Huge companies with big 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 individual 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 vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds 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 Hinkley may also be referred to as fleet insurance or truck insurance.
Since individual automobiles are not meant for business use, they are rated and written off differently from the automobiles utilized commercially. The compensation plans also differ in between individual and commercial auto insurance coverage.
For example, the plan takes in account the commercial vehicles are dealt with by licensed workers in Hinkley CA who are governed by work policies with regards to the vehicles. This helps the insurer know when and who to appropriate the blame in case of mishaps, damages, as well as death.
What Commercial Auto Insurance Includes
The commercial auto insurance policy includes different types of protection.
• Physical injury liability: this type of coverage pays for bodily injury or death, along with offering with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle harms another individual’s property in the course of business. You might also get legal defense.
• Personal 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 called the no-fault or medical payments coverage.
• Uninsured motorist coverage: This coverage pays for the injuries and to a degree, property damage brought on by an uninsured chauffeur (or in many cases, a hit-and-run motorist).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that offers separate limits that obtain physical injury and property damage. It has the same amount of protection (in regards to money) that gets either physical 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 object, or when it caused 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 type of insurance coverage is meant to protect your business from costly suits in case your vehicle triggered the accident. It also protects the business in that its owner will not sustain the additional cost of vehicle repair or even fleet replacement despite who triggered the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that operates an automobile during its operations.