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 Prather, 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 Company Near Me In Prather 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 Prather CA 93651. 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 Prather depends on its automobiles for transportation, then commercial auto insurance is needed. Huge companies with big fleets, along with small businesses with single automobiles need the insurance plan in place.
The commercial auto insurance policy 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 cars.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of cars used 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 Prather might also be referred to as fleet insurance or truck insurance.
Considering that individual vehicles 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 in between personal and commercial auto insurance plans.
For instance, the plan takes in account the commercial cars are managed by licensed workers in Prather CA who are governed by work policies with regards to the cars. This helps the insurance provider 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 coverage includes different kinds of coverage.
• Bodily injury liability: this type of coverage pays for bodily 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 protection: This insurance coverage pays for the medical expenses of the residents in the event of an accident, despite who is at fault. It is also called the no-fault or medical payments coverage.
• Uninsured driver coverage: This coverage pays for the injuries and to an extent, property damage caused by an uninsured motorist (or most of the times, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that offers different limitations that apply for physical injury and property damage. It has the same amount of protection (in regards to money) that gets either physical injury, property damage, or whether several 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 protect your business from pricey suits in case your vehicle caused the mishap. It also protects the business in that its owner won’t incur the extra expense of vehicle repair and even fleet replacement regardless of who triggered the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile during its operations.