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 Ridgecrest, 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 Ridgecrest 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 Ridgecrest CA 93555. 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 Ridgecrest counts on its vehicles for transport, then commercial auto insurance is needed. Big companies with large fleets, along with small businesses with single vehicles need the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers automobiles that are not covered by individual auto insurance plans, that is, vehicles that are used for business purposes. The insurance covers for damages, injuries, and liabilities incurred during the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of automobiles utilized by the business, from small vehicles to heavy commercial trucks (including vans, food trucks, box trucks and service utility vehicles– SUVs). The insurance coverage in Ridgecrest may also be referred to as fleet insurance or truck insurance.
Considering that personal cars are not meant for business use, they are rated and written off in a different way from the automobiles used commercially. The compensation plans also differ between individual and commercial auto insurance plans.
For instance, the plan takes in account the commercial cars are handled by licensed employees in Ridgecrest CA who are governed by work policies with regards to the vehicles. 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 Consists Of
The commercial auto insurance policy includes different types of coverage.
• Bodily injury liability: this kind of coverage pays for physical injury or death, along with offering 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 might also get legal defense.
• Personal injury protection: This insurance coverage pays for the medical expenses of the residents in the event of an accident, regardless of who is at fault. It is also called 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 for the most parts, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that offers separate limitations that obtain bodily injury and property damage. It has the same amount of protection (in regards to money) that looks for either physical injury, property damage, or whether one or more individuals 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 protect your business from costly suits 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 or perhaps fleet replacement despite who caused the accident.
Therefore, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile throughout its operations.