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 Pixley, 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 Pixley 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 Pixley CA 93256. 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 Pixley depends on its cars for transport, then commercial auto insurance is required. Huge companies with big fleets, in addition to small businesses with single vehicles need the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers cars 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 kinds of automobiles used by the business, from small cars to heavy commercial trucks (including vans, food trucks, box trucks and service utility vehicles– SUVs). The insurance coverage in Pixley may also be referred to as fleet insurance or truck insurance.
Because personal vehicles are not meant for business usage, they are rated and written off differently from the vehicles used commercially. The compensation plans also differ in between individual and commercial auto insurance plans.
For example, the plan takes in account the commercial cars are handled by authorized employees in Pixley 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 accidents, damages, as well as death.
What Commercial Auto Insurance Includes
The commercial auto insurance policy comes with various kinds of protection.
• Bodily injury liability: this type of coverage pays for physical injury or death, along with supplying with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle damages another person’s property in the course of business. You might also get legal defense.
• Injury protection: This insurance coverage pays for the medical expenses of the occupants in case of an accident, despite 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 chauffeur (or in many cases, a hit-and-run driver).
Other Areas Covered By the Policy
• Integrated single limitation coverage (CSL): This is a coverage that provides separate limitations that obtain physical injury and property damage. It has the same amount of protection (in regards to money) that obtains 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 struck by another item, or when it triggered 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 kind of insurance coverage is meant to safeguard your business from pricey claims in case your vehicle triggered the accident. It also protects the business in that its owner won’t incur the additional expense of vehicle repair and even fleet replacement despite who caused the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that operates an automobile throughout its operations.