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 Lebec, 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 Lebec 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 Lebec CA 93243. 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 Lebec relies on its automobiles for transport, then commercial auto insurance is required. Huge companies with big fleets, in addition to 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 individual auto insurance plans, that is, vehicles that are utilized for business purposes. The insurance covers for damages, injuries, and liabilities incurred during the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of vehicles used by the business, from small automobiles to heavy commercial trucks (including vans, food trucks, box trucks and service utility cars– SUVs). The insurance coverage in Lebec may also be referred to as fleet insurance or truck insurance.
Given that individual automobiles are not meant for business usage, they are rated and written off differently from the cars utilized commercially. The compensation plans also differ between individual and commercial auto insurance coverage.
For instance, the plan takes in account the commercial vehicles are handled by authorized workers in Lebec 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, as well as death.
What Commercial Auto Insurance Includes
The commercial auto insurance plan features different kinds of protection.
• Bodily injury liability: this type 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 person’s property in the course of business. You might also get legal defense.
• Injury coverage: This insurance coverage pays for the medical costs of the occupants in the event of an accident, despite who is at fault. It is also called the no-fault or medical payments coverage.
• Uninsured vehicle 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 driver).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that provides separate limitations that request bodily injury and property damage. It has the same amount of coverage (in terms of money) that gets either physical 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 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 kind of insurance coverage is meant to protect your business from pricey suits in case your vehicle triggered the mishap. It also protects the business in that its owner will not incur the extra cost of vehicle repair or perhaps fleet replacement regardless of who triggered the mishap.
Hence, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that runs an automobile during its operations.