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 Richvale, 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 Richvale 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 Richvale CA 95974. 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 Richvale depends on its cars for transportation, then commercial auto insurance is required. Big companies with large fleets, in addition to small businesses with single vehicles need the insurance plan in place.
The commercial auto insurance policy is an insurance plan that covers cars that are not covered by individual auto insurance plans, that is, cars that are utilized for business functions. 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 kinds of vehicles used by the business, from small vehicles to heavy commercial trucks (including vans, food trucks, box trucks and service energy automobiles– SUVs). The insurance coverage in Richvale may also be referred to as fleet insurance or truck insurance.
Since individual automobiles are not meant for business usage, they are rated and written off differently from the vehicles utilized commercially. The compensation plans also differ in between personal and commercial auto insurance coverage.
For example, the plan takes in account the commercial vehicles are dealt with by authorized workers in Richvale CA who are governed by work policies with regards to the automobiles. This helps the insurance company 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 policy features different kinds of coverage.
• Bodily injury liability: this kind 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 damages another individual’s property in the course of business. You may also get legal defense.
• Personal injury coverage: This insurance coverage pays for the medical costs of the residents in the event of an accident, despite who is at fault. It is also known as the no-fault or medical payments coverage.
• Uninsured driver coverage: This coverage pays for the injuries and to an extent, property damage brought on by an uninsured chauffeur (or most of the times, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that offers different limits that make an application for physical injury and property damage. It has the same amount of coverage (in terms of cash) that requests either bodily injury, property damage, or whether one or more individuals 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 type of insurance coverage is meant to protect your business from expensive suits in case your vehicle triggered the accident. It also protects the business in that its owner will not incur the extra expense of vehicle repair and even fleet replacement despite who caused the mishap.
Hence, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that runs an automobile during its operations.