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 Onyx, 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 Agency Near Me In Onyx 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 Onyx CA 93255. 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 Onyx depends on its cars for transportation, then commercial auto insurance is required. Big companies with big fleets, as well as small businesses with single vehicles require the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers vehicles that are not covered by personal auto insurance plans, that is, vehicles that are utilized for business purposes. 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 types of automobiles utilized by the business, from small cars to heavy commercial trucks (including vans, food trucks, box trucks and service energy cars– SUVs). The insurance coverage in Onyx may also be referred to as fleet insurance or truck insurance.
Given that personal cars are not meant for business usage, they are rated and written off in a different way from the cars utilized commercially. The compensation plans also vary between individual and commercial auto insurance coverage.
For instance, the plan takes in account the commercial automobiles are managed by licensed employees in Onyx 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 policy features various kinds of coverage.
• Physical injury liability: this type of coverage pays for bodily injury or death, along with 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.
• Accident protection: This insurance coverage pays for the medical expenses of the residents 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 driver coverage: This coverage pays for the injuries and to an extent, property damage triggered by an uninsured motorist (or for the most parts, a hit-and-run driver).
Other Areas Covered By the Policy
• Integrated single limitation coverage (CSL): This is a coverage that offers separate limits that apply for physical injury and property damage. It has the same quantity of coverage (in regards to money) that makes an application for either physical injury, property damage, or whether one or more people 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 collision.
• 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 costly claims in case your vehicle caused the mishap. It also protects the business in that its owner will not incur the extra cost of vehicle repair or even fleet replacement despite who triggered the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that operates an automobile during its operations.