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 Los Alamitos, 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 Los Alamitos 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 Los Alamitos CA 90720. 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 Los Alamitos relies on its vehicles for transport, then commercial auto insurance is required. Big companies with large fleets, as well as small businesses with single automobiles need the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers automobiles that are not covered by individual auto insurance plans, that is, automobiles that are used for business purposes. The insurance covers for damages, injuries, and liabilities sustained throughout the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of automobiles used by the business, from small vehicles to heavy commercial trucks (including vans, food trucks, box trucks and service energy vehicles– SUVs). The insurance coverage in Los Alamitos might also be referred to as fleet insurance or truck insurance.
Considering that individual vehicles are not meant for business usage, they are rated and written off differently from the automobiles used commercially. The compensation plans also differ between individual and commercial auto insurance coverage.
For example, the plan takes in account the commercial automobiles are dealt with by authorized employees in Los Alamitos CA who are governed by work policies with regards to the automobiles. This helps the insurer know when and who to appropriate the blame in case of accidents, damages, as well as death.
What Commercial Auto Insurance Includes
The commercial auto insurance coverage includes various types of coverage.
• Physical injury liability: this type of coverage pays for bodily 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 harms another individual’s property in the course of business. You may also get legal defense.
• Injury protection: This insurance coverage pays for the medical expenses of the occupants in case of an accident, no matter 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 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 limitation coverage (CSL): This is a coverage that provides different limitations that apply for physical injury and property damage. It has the same amount of coverage (in terms of money) that requests either bodily injury, property damage, or whether one or more people were involved in the accident.
• 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 kind 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 won’t incur the extra expense of vehicle repair and even fleet replacement despite who triggered the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is necessary for any business that operates an automobile during its operations.