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 Lakeside, 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 Specialists Near Me In Lakeside 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 Lakeside CA 92040. 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 Lakeside depends on its vehicles for transport, then commercial auto insurance is required. Huge companies with large fleets, as well as small businesses with single vehicles require the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers vehicles that are not covered by individual auto insurance plans, that is, automobiles that are used for business functions. The insurance covers for damages, injuries, and liabilities incurred during the use of the automobiles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of vehicles used by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service utility vehicles– SUVs). The insurance coverage in Lakeside may also be referred to as fleet insurance or truck insurance.
Since personal cars are not meant for business use, they are rated and written off differently from the vehicles utilized commercially. The compensation plans also differ in between personal and commercial auto insurance plans.
For instance, the plan takes in account the commercial vehicles are handled by authorized workers in Lakeside CA who are governed by work policies with regards to the cars. 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 plan includes different kinds of protection.
• Physical injury liability: this kind of coverage pays for physical injury or death, as well as providing with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle damages another individual’s property in the course of business. You might also get legal defense.
• Accident protection: This insurance coverage pays for the medical expenses of the occupants in case of a mishap, regardless of who is at fault. It is also known as 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 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 offers different limitations that make an application for physical injury and property damage. It has the same amount of coverage (in regards to cash) that obtains either bodily injury, property damage, or whether several people were involved in the mishap.
• Crash coverage: This coverage pays for your vehicle when it is struck 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 type of insurance coverage is meant to safeguard your business from expensive claims in case your vehicle triggered the mishap. It also protects the business in that its owner won’t sustain the additional expense of vehicle repair and even fleet replacement no matter who caused the accident.
Hence, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that runs an automobile during its operations.