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 Mission Viejo, 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 Mission Viejo 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 Mission Viejo CA 92690. 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 Mission Viejo counts on its vehicles for transport, then commercial auto insurance is needed. Huge companies with big fleets, along with small businesses with single automobiles need 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 utilized 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 cars utilized by the business, from small vehicles to heavy commercial trucks (including vans, food trucks, box trucks and service energy automobiles– SUVs). The insurance coverage in Mission Viejo 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 cars utilized commercially. The compensation plans also differ between individual and commercial auto insurance plans.
For instance, the plan takes in account the commercial automobiles are handled by licensed employees in Mission Viejo 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 accidents, damages, as well as death.
What Commercial Auto Insurance Includes
The commercial auto insurance plan features numerous kinds of coverage.
• Bodily injury liability: this kind of coverage pays for bodily injury or death, as well as 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 may also get legal defense.
• Injury coverage: This insurance coverage pays for the medical expenses of the occupants in the event of a mishap, 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 an extent, property damage brought on by an uninsured driver (or in most cases, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that provides different limitations that make an application for bodily injury and property damage. It has the same amount of coverage (in terms of cash) that obtains either bodily injury, property damage, or whether several individuals were involved in the accident.
• Accident 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 circumstances like floods, fire, vandalism, and theft.
In Essence
This kind of insurance coverage is meant to safeguard your business from costly lawsuits in case your vehicle caused the accident. It also protects the business in that its owner will not incur the extra cost of vehicle repair or perhaps fleet replacement no matter who caused the mishap.
Hence, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile during its operations.