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 Palo Cedro, 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 Palo Cedro 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 Palo Cedro CA 96073. 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 Palo Cedro counts on its automobiles for transportation, then commercial auto insurance is required. Big companies with big fleets, in addition to small businesses with single cars 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, vehicles that are utilized for business functions. The insurance covers for damages, injuries, and liabilities sustained during the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of vehicles utilized by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service utility automobiles– SUVs). The insurance coverage in Palo Cedro 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 differently from the vehicles utilized commercially. The compensation plans also differ between personal and commercial auto insurance policies.
For example, the plan takes in account the commercial cars are managed by authorized workers in Palo Cedro CA who are governed by work policies with regards to the cars. This helps the insurer 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 comes with different kinds of coverage.
• Physical injury liability: this type of coverage pays for physical 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 person’s property in the course of business. You may also get legal defense.
• Accident coverage: This insurance coverage pays for the medical expenditures 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 a degree, property damage brought on by an uninsured motorist (or in most cases, a hit-and-run driver).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that offers different limits that get bodily injury and property damage. It has the same amount of protection (in terms of money) that gets either physical injury, property damage, or whether one or more people were involved in the accident.
• Collision coverage: This coverage pays for your vehicle when it is hit by another item, or when it triggered the crash.
• 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 safeguard your business from costly suits in case your vehicle caused the accident. It also protects the business in that its owner will not sustain the additional cost of vehicle repair or even fleet replacement despite who caused the accident.
Hence, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile during its operations.