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 Morgan Hill, 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 Morgan Hill 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 Morgan Hill CA 95037. 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 Morgan Hill depends on its vehicles for transportation, then commercial auto insurance is needed. Big companies with large fleets, as well as small businesses with single vehicles need the insurance plan in place.
The commercial auto insurance policy is an insurance plan that covers automobiles that are not covered by personal auto insurance plans, that is, cars that are utilized for business purposes. The insurance covers for damages, injuries, and liabilities incurred during the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of cars used by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service energy automobiles– SUVs). The insurance coverage in Morgan Hill might also be referred to as fleet insurance or truck insurance.
Since individual cars are not meant for business usage, they are rated and written off differently from the automobiles used commercially. The compensation plans also differ between personal and commercial auto insurance plans.
For example, the plan takes in account the commercial automobiles are dealt with by authorized staff members in Morgan Hill 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 accidents, damages, and even death.
What Commercial Auto Insurance Includes
The commercial auto insurance plan features numerous kinds of coverage.
• Bodily 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 damages another individual’s property in the course of business. You may also get legal defense.
• Injury coverage: This insurance coverage pays for the medical expenditures of the residents in the event of a mishap, regardless of who is at fault. It is also known as 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 motorist (or in many cases, a hit-and-run driver).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that provides different limits that make an application for bodily injury and property damage. It has the same amount of protection (in terms of money) that applies for either bodily injury, property damage, or whether one or more people were involved in the mishap.
• Crash coverage: This coverage pays for your vehicle when it is struck by another item, or when it triggered the accident.
• 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 lawsuits in case your vehicle caused the accident. It also protects the business in that its owner won’t sustain the additional expense of vehicle repair or perhaps fleet replacement no matter who caused the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that runs an automobile during its operations.