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 Oak Park, 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 Oak Park 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 Oak Park CA 91377. 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 Oak Park relies on its vehicles for transportation, then commercial auto insurance is needed. 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 automobiles that are not covered by personal auto insurance plans, that is, automobiles that are used for business functions. The insurance covers for damages, injuries, and liabilities sustained throughout the use of the automobiles.
What Is Covered?
The commercial vehicle insurance plan covers all types of automobiles 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 Oak Park may also be referred to as fleet insurance or truck insurance.
Considering that individual cars are not meant for business use, they are rated and written off in a different way from the cars 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 managed by licensed employees in Oak Park CA who are governed by work policies with regards to the cars. This helps the insurance company know when and who to appropriate the blame in case of mishaps, damages, and even death.
What Commercial Auto Insurance Includes
The commercial auto insurance policy features various kinds of coverage.
• Physical injury liability: this kind of coverage pays for physical injury or death, in addition to providing with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle harms another person’s property in the course of business. You might also get legal defense.
• Injury protection: This insurance coverage pays for the medical expenditures of the residents 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 vehicle driver coverage: This coverage pays for the injuries and to a degree, property damage triggered by an uninsured motorist (or most of the times, a hit-and-run motorist).
Other Areas Covered By the Policy
• Integrated single limitation coverage (CSL): This is a coverage that provides separate limits that apply for physical injury and property damage. It has the same quantity of coverage (in terms of cash) that requests either physical injury, property damage, or whether several people were involved in the mishap.
• Accident coverage: This coverage pays for your vehicle when it is hit by another object, or when it triggered the accident.
• 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 protect your business from expensive suits in case your vehicle triggered the accident. It also protects the business in that its owner won’t sustain the extra cost of vehicle repair or even fleet replacement no matter who caused the accident.
Therefore, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile during its operations.