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 Pollock Pines, 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 Pollock Pines 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 Pollock Pines CA 95726. 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 Pollock Pines counts on its vehicles for transport, then commercial auto insurance is needed. Huge companies with big fleets, along with 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 individual auto insurance plans, that is, vehicles that are utilized for business purposes. The insurance covers for damages, injuries, and liabilities sustained throughout the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all types of vehicles utilized by the business, from small cars to heavy commercial trucks (including vans, food trucks, box trucks and service utility automobiles– SUVs). The insurance coverage in Pollock Pines may also be referred to as fleet insurance or truck insurance.
Since personal vehicles are not meant for business usage, they are rated and written off in a different way from the vehicles utilized commercially. The compensation plans also vary in between individual and commercial auto insurance policies.
For example, the plan takes in account the commercial cars are dealt with by authorized workers in Pollock Pines CA who are governed by work policies with regards to the automobiles. This helps the insurer know when and who to appropriate the blame in case of mishaps, damages, and even death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance coverage features different kinds of protection.
• Bodily injury liability: this kind of coverage pays for physical injury or death, in addition to offering 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 coverage: This insurance coverage pays for the medical expenditures of the residents in case of a mishap, despite who is at fault. It is also known as the no-fault or medical payments coverage.
• Uninsured vehicle driver coverage: This coverage pays for the injuries and to an extent, property damage caused by an uninsured chauffeur (or in many cases, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that provides separate limitations that obtain physical injury and property damage. It has the same quantity of coverage (in regards to money) that looks for either bodily 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 struck by another item, 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 safeguard your business from costly lawsuits in case your vehicle caused the mishap. It also protects the business in that its owner will not sustain the extra expense of vehicle repair or even fleet replacement regardless of who triggered the mishap.
Therefore, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that runs an automobile during its operations.