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 Murphys, 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 Murphys 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 Murphys CA 95247. 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 Murphys counts on its vehicles for transport, then commercial auto insurance is required. Big companies with big fleets, along with small businesses with single vehicles need the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers cars that are not covered by personal auto insurance plans, that is, automobiles 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 types of automobiles used by the business, from small vehicles to heavy commercial trucks (including vans, food trucks, box trucks and service utility cars– SUVs). The insurance coverage in Murphys may also be referred to as fleet insurance or truck insurance.
Considering that personal automobiles are not meant for business use, they are rated and written off differently from the vehicles utilized commercially. The compensation plans also vary in between personal and commercial auto insurance plans.
For instance, the plan takes in account the commercial vehicles are handled by licensed workers in Murphys CA who are governed by work policies with regards to the automobiles. This helps the insurance company 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 comes with numerous kinds of protection.
• Bodily injury liability: this type of coverage pays for bodily injury or death, in addition to supplying 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 might also get legal defense.
• Personal injury protection: This insurance coverage pays for the medical expenses of the occupants in case of an accident, regardless of who is at fault. It is also referred to as the no-fault or medical payments coverage.
• Uninsured vehicle driver coverage: This coverage pays for the injuries and to an extent, property damage triggered by an uninsured driver (or in many cases, a hit-and-run motorist).
Other Areas Covered By the Policy
• Integrated single limitation coverage (CSL): This is a coverage that offers different limits that look for physical injury and property damage. It has the same amount of protection (in terms of cash) that looks for either physical 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 type of insurance coverage is meant to protect your business from pricey suits 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 and even fleet replacement regardless of who caused the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that runs an automobile during its operations.