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 Lake City, 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 Lake City 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 Lake City CA 96115. 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 Lake City depends on its automobiles for transport, then commercial auto insurance is required. Huge companies with large fleets, as well as small businesses with single vehicles need the insurance plan in place.
The commercial auto insurance plan 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 automobiles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of automobiles utilized by the business, from small automobiles to heavy commercial trucks (including vans, food trucks, box trucks and service energy vehicles– SUVs). The insurance coverage in Lake City might also be referred to as fleet insurance or truck insurance.
Considering that personal cars are not meant for business usage, they are rated and written off in a different way from the automobiles used commercially. The compensation plans also differ between personal and commercial auto insurance policies.
For instance, the plan takes in account the commercial automobiles are managed by authorized workers in Lake City 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 numerous kinds of coverage.
• Bodily injury liability: this kind of coverage pays for bodily 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 damages another person’s property in the course of business. You might also get legal defense.
• Accident coverage: This insurance coverage pays for the medical expenditures of the occupants in the event of an accident, despite who is at fault. It is also referred to as the no-fault or medical payments coverage.
• Uninsured motorist coverage: This coverage pays for the injuries and to a degree, property damage caused by an uninsured driver (or for the most parts, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that offers separate limitations that apply for physical injury and property damage. It has the same amount of coverage (in terms of money) that applies for either physical injury, property damage, or whether several people were involved in the mishap.
• Collision coverage: This coverage pays for your vehicle when it is struck by another object, or when it triggered the accident.
• 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 kind of insurance coverage is meant to safeguard your business from pricey lawsuits in case your vehicle triggered the mishap. It also protects the business in that its owner will not sustain the extra expense of vehicle repair or perhaps fleet replacement regardless of who caused the mishap.
Therefore, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that operates an automobile throughout its operations.